Health insurance on the road

Big Katuna wrote:
United and Cigna have national plans.

We have been paying for our own insurance for twenty years.

While not cheap, the ACA has saved us money and we get better coverage, lower deductibles.

I would recommend finding a reputable agent that carries many lines.

Health insurance plans are very state specific and you cannot cross state lines to purchase coverage. You can only shop what is offered in your home state.. Using your example of United and Cigna , they do not offer policies to Montana Residents. Our choices are Pacific Life and Blue Cross/Blue Shield. BCBS still offers PPO plans in Montana, but I know for a fact they have discontinued all PPO plans in Texas. State to state it's the Bubba Gump of coverage, you never know what you are going to get That being said, all ACA plans offer some kind of coverages out of state, but they will generally be considered out of network, which will be subject to higher deductibles, higher copays and lower overall benefits.
You may very well have found that the ACA worked to your advantage, probably because you now are receiving a subsidy. I think it is safe to say that people who do not receive a subsidy have seen their premium skyrocket. Our premiums are up 100% from the Pre ACA rates.