Need advice on catastrophic health ins for a family.

[Nay]

Sonny Nay, his wife and toddler need catastrophic health ins. They have no pre-existing conditions. Toddler may soon be covered by Virginia's child health care laws, but that hasn't happened yet.

They HAD bought such a policy, but were tossed out after taking toddler to the emergency room to get 4 stitches. Get this -- their ins paid nothing because it was waaaay under their $5000 deductible, which is as it should be, but they got canceled anyway! Just for showing up at a hospital and paying the bill themselves!

Any advice?