prayers are with you from Ohio...
... as much as I absolutely
hate to play the 'litigation card'... you might want to check with a lawyer to see if you have a fraud case, if you were under the impression that you had insurance you might have a case, also as far as I can tell (in Ohio, anyway) when your coverage is dropped you are supposed to get notified of discounted COBRA for up to 6 months (which is still pretty pricey), many states have 'good faith' clauses whereupon employees can retroactively retain coverage if within a certain 'notification grace period'... :dunno: I'm no lawyer
everybody else, this is a very good example of why, especially as preppers, we should look into MSAs (a $2k-$3k MSA coupled with a fully customized coverage insurance policy with the same deductible will save you much $$$)
I have no idea why people don't spend a weekend going over their 'all inclusive' policies and getting rid of extraneous items they don't need covered... ie mammograms for single men
going the MSA route is NOT recommended (by me) if you have small children