I know the federal law Combined OmniBus R Act (COBRA) look this up on google which they have to offer you insurance, it is super expensive because you have to pay ALL of the costs, so for a family of four it is like 1200 a month, but the thing is it is a continuation of your old policy, they have to send that to you soon after leaving.  If they paid the 100% of the policy then they have the 'master' policy and you may be well right where you are now.  They are supposed to give 30 days, but that is NC law.  If you paid but it was a policy under the master they may only be liable to reimburse your premium for the month.