Laid off and surgery scheduled in 10 weeks—any advice?

I was laid off this week. I had cancer in 2023 and my final reconstructive surgery is scheduled for November. I REALLY want this surgery so I can look and feel normal again. I have already met my deductible this year and have $3000 left to pay before reaching my MOOP. So the surgery would have cost me $3000 max if my company didn’t decide my division was no longer a part of their vision. I also have a medical FSA with about $800 in it—saved just for this surgery. From what I’m reading, I lose the FSA this week on my last day (good thing I have some old medical bills to pay).

My kids and I are on my company’s plan, and I currently pay $385 per pay period for the three of us. COBRA is being offered, but I won’t know the cost until mid-September. It’s crazy to me that we have to wait up to 14 days after coverage ends to get details!

My husband has insurance we could switch too. The MOOP is $6000. It would cost $180 per pay period to add just the kids; it will be $500 per paycheck to add all three of us.

I’m also looking into options on the marketplace. But I’m worried pre-existing conditions won’t be covered.

Any advice? Insurance has never been my strong suit, but I was so proud of myself for having a responsible plan for paying for this surgery. I’ve looked into moving my kids to my husband’s plan and me taking the COBRA, but it looks like I’d then be paying for COBRA until July, his open enrollment period. I’m sure that will cost way more than the new $6000 MOOP. And even $6000 is out of reach for us. If it turns out to be cheaper, can I enroll in both COBRA and my husband’s insurance, and then drop COBRA the day after my surgery? Or should I just accept not being able to have the surgery this year and get on the calendar for November 2025? This upsets me so much more than losing my job. After having 6 surgeries in 6 months, it’s taken me a year to steel up for this one, but I was ready. The thought of drawing out this whole cancer $#!+ show another year brings back all the trauma.

Edited to add I’ve worked here for over 20 years.