My wife and I spend 8 months of the year in Massachusetts (the Boston area) and 4 winter months in Florida (West Palm Beach). We have purchased health insurance from the Massachusetts marketplace. The insurance covers only in-network providers (except for emergency care), so doesn't cover any providers in Florida, where we are now. For example, my wife's knee is currently bothering her, to the point where she has trouble walking for nontrivial distances. Tomorrow, she is going to see an orthopedist, who may recommend getting an MRI. We'll pay out of pocket if we have to, but I'm wondering if we are missing some better solutions. Is there a good way to purchase health insurance to cover two different states?
More details: our current health insurance is a high-deductible bronze HMO plan in Massachusetts, with a premium of $1196 per month. I don't believe we qualify for any subsidies. I am 57 and my wife is 55. We are essentially retired. We own a house in Massachusetts and an apartment in Florida. We consider Massachusetts our primary residence.