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.
I still don’t see how he is at fault here. Maybe there was no one to handle his affairs. Maybe he thought there was nothing to handle since he paid for the insurance and the Nevada Health Link told him he was covered. Remember, he had a contract. He paid for coverage. He was told he had coverage. He’s the one who has a problem, and he isn’t the one who dropped the ball.
I don’t think it is unreasonable for an ordinary person to rely on a contract s/he did not breach.
Here is an article about Nevada’s health exchange glitch re receiving insurance cards: http://www.rgj.com/article/20140124/NEWS/301240017/Nevada-health-exchange-glitch-delays-insurance-cards?nclick_check=1