[graybeardhacker]

I find it VERY likely they had a junk policy. This is one of the most important things the ACA did, it defined what could be considered health insurance. Before the ACA, a company could sell you a policy that essentially covered nothing. Usually those junk policies had cleverly worded agreements that hid the fact that nothing was covered (pre-existing conditions, restrictive networks, carve-outs for expensive treatments, etc).

Since the majority of people don't run into those issues, they are blissfully unaware that if/when they have a major medical event they are under-insured.