DS Approval w/ Private Pay Insurance

Don't forget - if there is a gap in coverage by letting your COBRA lapse, even when you GET new insurance, you will likely have a 12 month exclusion on pre-existing conditions.  You should try to find a way to finance/borrow the money for COBRA - you shouldn't be without it for your kid(s) either.

I just want to add that you should call your hubs previous employer, they may allow you to carry cobra coverage while the rest of the family does not and then you could private pay for them.