Unless you have pre-existing conditions that require immediate ongoing attention COBRA is not your best option after being laid off of a job. Strapped with bills and dwindling savings, you are much better off buying a catastrophic hospitalization type policy and paying cash for regular health check ups or going to economy clinics. The cost of the COBRA insurance will quickly drain your resources, which you need to pay for your housing, utilities, groceries and other basics.
COBRA is meant to be a short term solution when you lose a job. It’s funny, whenever I see a conversation about COBRA, the narrative is the same, it will drain all of your resources........because in this country, it seems nobody EVER thinks, hey, I better find another job!