Also, there are no Platinum plans where I live (western WA), some counties, especially rural, low-density areas, sometimes only have one plan provider for individuals for people who don’t qualify for Medicaid - and they aren’t obligated to provide even a Gold-level plan.
We need universal coverage, now.
[1] https://www.commonwealthfund.org/blog/2019/short-term-plans-...
The other 10% actually wound up having to use it, and discovered why the ACA said they don't count as insurance.
[1]https://www.healthcare.gov/glossary/pre-existing-condition/
You CANNOT go out if network though - that's really the deal / tradeoff.
If you travel a lot, have a fav specialist etc may not be a good fit - a national ppo may work better or us within us coverage for specific trips. Generally you can get $100K coverage for trips > 100 miles away from your home + 1 night away from home as part of your insurance package (exceptions related to traveling for medical work, getting drunk and hurting yourself etc).
If things are really this dire sign up for platinum coverage under a total in-network HMO like Kaiser. Platinum 90 0/10 as an example.
If you have serious medical costs these plans are MAJORLY subsidized because they don't discriminate on pre-existing conditions.
You CANNOT go out of network.