Do I have any other options?

Hello, I am 55 and will be taking early retirement this July. So far I have 2 options for health insurance coverage for remainder of 2026 before I apply for ACA coverage next year. I have pre-existing health condition.

Option 1 - COBRA coverage for 6 months. The cost is $2200 per month for me & family and $700 for myself only.

Option 2 - ACA special enrollment and coverage for 6 months without subsidies (my MAGI is over the threshold). The cost is $2400 per month for me & family (Bronze) and $3200 (Silver).

One local broker suggested that I take COBRA option for myself only and take private non ACA insurance plan for my wife and kids. The plans he offered me so far for my family are not that appealing - one is with Lifex and other is with Manhattan Life. These are about $800 so I would end up paying about $700 for COBRA (myself) and $800 (for my family) for a total of $1500 per month,

Are there any other options that I can consider?