recently laid off, navigating individual insurance w/existing out-of-network providers

hi r/healthinsurance. i live in the seattle area. i was on kaiser via my employer, but i was let go this past wednesday … i’m in my early 20s, only became independent a year and a half ago, and this is my first time needing to do any of this independently. on top of that, my situation isn’t as simple as it would ideally be.

tldr: are individual PPO plans a thing? i am really struggling to find any, and since i’m on the west coast/PNW kaiser HMO has a pretty huge monopoly. i don’t think EPOs would work very well for my use case, either, as i describe here.

thanks in adv!!

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ok — so first, to get it out of the way, falling back on my parents’ plan is not really an option for me although i am still on their insurance.

i am seeing a handful of (OON) mental health professionals (individual therapist, group therapist, psychiatrist) and using a specific type of therapy (DBT). this care team has taken me several months to assemble/get sorted with insurance, because (as you can probably expect) i had to fight with kaiser to get the referrals written up, etc., etc. i am also on several psychiatric medications incl brand names. right now, this is the first setup/care team that seems to be working for me, and i wouldn’t consider breaking it unless i absolutely had to (which might be the case … kind of why i’m posting here). continuing w/my current program also requires commitments of like 2-3 months at a time, and another cycle is about to begin in a week + i cannot afford it without coverage, so i need to figure out if i need to leave very quickly.

with this all happening RIGHT at the end of open enrollment, i’m kind of scrambling right now — though i guess i would qualify for special enrollment, right? (and then how would the coverage gap pan out?) i am unemployed now but i have enough in savings to comfortably pay for higher premiums, i just literally cannot find plans that seem to really match these specs.