Let’s see. The guy bought and paid for his insurance. Nevada Health Link assured him he was enrolled. The insurance company took his money. Wow! They have a contract!
Then the guy had a heart attack and triple bypass surgery the first month his coverage was in effect.
Aside from his IQ and educational level not being as superior as yours obviously is, he was a very sick man. A very sick man who had a contract with an insurer. A very sick man who did not cause the problem or breach his contract.
If he’s not capable of handling his affairs, he should have someone doing it for him! And I’ve had to do that for several other people.