Help figuring out coverage for a potential gap in coverage.

I live in Texas and I was laid off recently. I have cobra coverage for my healthcare insurance as part of a separation package until the end of November. From what I understand I can start new health insurance coverage on Jan 1st for the 2025 year through the marketplace on healthcare.gov. But that leaves a full month gap with no coverage in December. For me to have coverage for Dec, do I understand correctly that these are my options:

Extend the cobra coverage for another month. This is super expensive (over $2K for me, spouse + child) so would like to avoid this option if possible. Go to a healthcare provider/broker and buy insurance for 1 month (will they let someone buy coverage for only 1 month?) Purchase healthcare insurance through the ACA marketplace for 1 month which I understand would be allowed due to my loss of coverage.

For the last option of going through the ACA marketplace. Would I enter income etc for 2024 for my 1 month of coverage in Dec. Then enroll again in Nov-Dec for Jan 2025 coverage and beyond. But this time enter my much lower expected income for 2025?

Any help or guidance is greatly appreciated!

submitted by /u/Bobsyouruncle66
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