Oscar Health Premium ? Recent Issues

Hello, I am looking for anyone who can direct me. I pay privately for Oscar Health Insurance, for a family of four in Los Angeles. On 8/12, I received a letter stating that we were placed in a “grace period” for failing to pay premiums. This was never true, I paid in-full every month (with proof), however, Oscar increased our premium by $600/month and backdated the “due” amount (($5k) to January 2023, without notice until 8/12 increased. The letter stated that I need to pay the full amount ($5k) within 28 days, or we would lose our policy. They also stated that the ongoing premium would be the higher amount. If unpaid, I would need to pay (out of pocket) for every health visit in 2023 as if I didn’t have insurance – although they would NOT refund the premiums I’d paid for the last 8 months (of $1200/month). Obviously this is a horrific situation to be in, especially when it is not open enrollment to switch to another plan. I’ve already received some free legal advice (not representation), and I’ve filed complaints with 2 state boards. I’ve filed for a grievance as well. Oscar is leaving the State of CA by 12/31/23, due to compliance issues. So far the only response I’ve received (in writing) from their staff is that “this is an Oscar wide issue. The higher premiums were accurate, but no one was notified until August 2023”. Coming up with $5k in 28 days and an extra $600/month is NOT feasible for us. I’m seeking the following advice at this time:

Do any lawyers take on these types of cases with no cost upfront? Since it’s an “oscar-wide issue” it feels as though there should be a grounds for a class action lawsuit, but I cannot find anything online from anyone else about this.

Is there any way to quickly secure health coverage even though open enrollment is closed (or an emergency plan even if it doesn’t meet ACA criteria)?

Any other ideas of what I can or should do in this situation? So far most attorney consults have shared that the cost to represent me will be covered by Oscar if we win (I don’t see how I could lose in this situation – my disabled son will be insurance-less). But the upfront retainer feels high and hard to come up with.