[tspike]

This is really helpful info. I've been looking at this stuff a lot and I learned these things from you:

- COBRA and private health insurance are comparable in cost (I always assumed it was way more expensive)

- HSAs can be used to pay premiums

These are important pieces of information for figuring this out for me. I don't have four dependents, but I have two and don't have the option of jumping to a spouse's plan, so thanks for the additional context.

[ljoshua]

Glad to be helpful. As noted in the other comment and with all things, YMMV, but there's definitely reasonable options out there.