i was concerned about extended travel as well. my insurance company sales guy told me i'd get reimbursed 75% out of network after high (hsa plan) deductible with no coinsurance or copay. seemed reasonable, hope it works out that way.
Yes, I think that might work out reasonably well when in another state, but I'm not sure how well it would work if in another country. It seems that all health policies I have seen are anchored to a particular state and their network of providers that they cover at the higher rate are only in that state.
would be interested in you posting more information about your roving lifestyle as i'm considering something similar in the future. my favorite childhood holloween costume was the hobo. just some dirt on my face, some old clothing and a sack tied to the end of a stick. i don't see why that shouldn't be my lifestyle now.
As an example, this year I travelled in Morocco for almost a month, travelled in France for about 2 weeks, a couple of weeks on a road trip in the States, spent about 4 months in Vancouver, BC, spent one month in Japan, and travelled for one month in Thailand. Last year was similar, but I went to Ecuador, Germany, Austria, Switzerland, Hungary, and Italy plus spent several months in Vancouver. I have travelled a lot for more than 20 years, but after RE I have been doing even more of it.
I tend to be "home" for irregular intervals of a few weeks to a few months at a time. I used to have a house, but it just tied me down so I sold it several years ago. After that I had a few apartments, but I got tired of all the hassle of moving in, a few months later moving out, getting utilities turned on and off, etc.. Staying at an apartment-hotel is very convenient for periods of short periods, say less than 3 months. That is usually long enough for me to be here anyway.
The downside is that they can get pretty expensive, although if your stay is longer than 30 days there is no hotel tax. The one I am staying at now is raising their rates on 1/1 and then *again* on 2/1.