Health Insurance

For those of you that are full-time or most-of-the-time but not yet old enough for Medicare, how do you handle your health insurance needs. My wife and I were fortunate enough to be able to stay on our former employers Health Insurance group plan as if we were still employees by selling back sick time we accrued over the years. We were able to purchase enough to remain covered until we reach the current Medicare eligibility age of 65. It's great insurance if we are home and everything is in network but what we found when we need care while traveling, most everything is out of network and we end up paying out of pocket. We have been tossing around the idea of becoming semi-full-time, meaning away from home for 9-10 months of the year. Obviously we would need to either keep the policy we have and put about 20K aside in case we need it or find another type of insurance to supplement what we already have. So what have you all found to be the best options when traveling? Thanks in advance for your replies.