Not sure I followed your post its a little short on clear details-
Sounds to me like you were commissioned, but you're not on active duty and likely wouldn't be until you were under orders for that OBC--you wouldn't be insured by TRICARE if you were not on active duty.
As a result, the "big bill" is not a government responsibility.
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you wouldn't be insured by TRICARE if you were not on active duty. Talk to them about a grace period in may be 30 days. also inquire about notice. You can not sue on this issue like you could an insurance co., but they do have rules they need to follow.
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