My condolences on a shitty situation.
One difference is that North Carolina has decided to turn down free Federal money for people on the ACA, called Medicaid expansion.
Apparently several hardcore conservative states have decided to do so - as a big F-U to Obama and the less well to do folks in their states. That may be why the Medicaid aspect on your application was slowing down the process. It’s the same for many other red states/Southern states. I live in another one of those states but we are able to get healthcare insurance through my wife’s employer, which is basically what is keeping me alive.
My impression is that Obama was making concessions to conservatives and big business by letting the existing healthcare industry play a part in the Affordable Care Act - instead of socializing the whole thing and making it single payer and having a level playing field for the citizens of all 50 states.
Or maybe I just don’t understand what’s going on, because politicians.