Employer Oscar plan cancelled without notice after the employer went under.

I most likely made a mistake here, but I’d be appreciative of any info I could get, thanks!

I live in NJ, had Oscar insurance, and the 31st of October was my last day of work. My previous employer went out of business, but mentioned they’d continue paying health insurance for an unspecified amount of time.

Mid November, I contacted the insurance company and they said the premiums were paid. When I mentioned that the employer no longer was in business, they said they’d notify me if the plan was terminated or behind on premiums. End of November, I was still receiving emails about EOBs and miscellaneous plan information. In January, I received a 1095B stating I had coverage for all 12 months of 2022.

Time, and the open enrollment window, passes. Last week (March 20th), I log into my online portal to find my plan has been cancelled without warning. The date of cancellation is set as June 30th, 2022. On a call with Oscar support team, they mentioned how there were no late premium notices or termination letters sent to me at any time and suggested to submit a grievance report. The grievance report will take over a month to process and I’m not entirely sure if that would help me.

I called GetCoveredNJ, trying to qualify for special enrollment under exceptional circumstances: plan/program error. They denied the request, stating that not being notified didn’t prevent me from signing up for insurance during open enrollment. Since it’s NJ, I can’t sign up for short-term insurance plans.

My questions are:

I realize I should have made use of the open enrollment window in November, but I trusted too much that they’d notify me of changes. Thanks again for your help.