it is probably best to keep your cobra in place but at the same time it is absolutely a good idea to look at your state marketplace check out coverage options available online and see whether there is a more affordable option that covers the doctors he sees. if he has no income you may also want to see whether he qualifies for medicaid coverage in your state. that may also be an option that is more affordable than cobra.
would it be to our advantage if we look for a new plan for my adult son? . he is now on cobra and uses all out-of-network doctors who are expensive. he doesn't earn an income and we have been thinking of applying for disability for him. however we're concerned that will affect his ability to try to get a job.