Combining the story over the last few weeks concerning my clients:

They had experienced a huge threat of a monthly cost, plus the expiration of their COBRA insurance, I took the time to look through all the their options thoroughly, figuring out that the timing lead the solution to being a split use of the policies available to them, actually taking advantage of the end of their COBRA due to the circumstances, and saving them thousands upon thousands of dollars at the end of the day, while giving them the best coverage possible.