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I'm not exactly an expert so please research all of this further, but my understanding is that you have a few options. In no particular order:
The whole thing is a confusing mess and no options are perfect.
Have you talked with other small business owners? Do you have connections to the business community that could explain what they do? If you don't have anyone to network with about this, FIND some people. Even just by walking into their business and telling your story. Many communities have business incubators or other networking for startups. At least one mentor could make a HUGE difference for you.
Is starting the business and ramping it up for some time THEN quitting possible? This could make sense for a lot of reasons, not just health insurance.
If nothing else, you could work long enough to save up 6 months or a year of COBRA and then quit to do your business full time.
Best wishes!
A couple of notes on COBRA, the cost is because you’re (usually) losing the amount your employer pays toward health insurance, plus the administrator charges a percent on top to administer the program. So the cost will definitely depend on which plan you already have and how much the employer pays.
With COBRA you’ll be locked into your current plan, but should have the opportunity to change plans when the employer goes through annual/open enrollment.
Another thing to note is that you’ll keep access to any HSA accounts you have (this is money you and/or your employer has put in an account.). You will lose access to any FSA balance you have, unless you elect it while electing COBRA.