能和公司协商一下给6个月免费Cobra吗？

Cobra is retroactive but usually within 30 days.

If you want to cut down on the cost, try Cobra but choose HDHP, at least you can have a HSA and premium is relatively low.

Unless you plan to retire, don't go with Obama care because once you are reemployed, your income will cause the state subsidy to be crawedback when you file your tax for 2025.