It can, depending on plan. Mine covers emergencies everywhere in the country regardless of in my state or not. But I better not need a normal dr appointment on vacation.

Though medication can be pretty easily accessed using a national chain like cvs or walgreens.

I can’t remember where I saw it, but I read an article saying tests should be left closed source as using AI to make it bug free without the tests will be significantly harder. Creates a moat of sorts.