What you have is what you get for COBRA? What about travelers?
If you can help, please comment.
Question # 1 - Would this be true: You have your employer's HMO insurance plan (slightly less expensive and no "out-of-network" coverage) - so that is what will be available to you through COBRA when you quit. You can't upgrade to the PPO version at the time you quit because it's not open enrollment.
Question # 2 - Would this be true: Your first year of RE you plan to travel around the country, so it would be better to have the employer's PPO plan (with typical 80% out-of-network coverage after deductible) - again obtained through COBRA - so better get signed up for the PPO version now during open enrollment...?
Question # 3 - Any recommendations concerning an ACA product / plan for a healthy couple who will be traveling the US "nearly" full-time (Are these the "multi-state" plans?) and who can pay OOP for doctor visits and maximums, thus would consider choosing a very low premium product in hopes of having a good year. (income makes subsidy