 [ Symptoms ] i have been paying dearly for health insurance since my husband is retirement  i will be 65 in april i am in fl so no state insurance marketplace come oct should i cancel my cobra at the end of the year and try to find coverage for a few months next year until medicare takes effect [ Disease ] florida is not running its own marketplace but there will be one available in your state run by the federal government do not cancel your cobra until you have done your homework but there is a good chance you will be able to find a health plan for less money by shopping your new options starting october 1st once you qualify for medicare you will need to sign up and you will drop your private coverage