Looking for advice on getting insurance for out of network coverage

I am self-employed in CO. I have a debilitating condition that is notoriously difficult to diagnose and may (or may not) be difficult to treat, depending on which specific type of condition I have. I have been on Medicaid for several years, but at this point, my best hope for a diagnosis and treatment is to go to a subspecialty center out of state. Since I am self-employed, if I leave medicaid, I believe that will trigger and life event that will allow me to purchase my own insurance out of open enrollment. Please let me know if this assumption is not correct.

I am grateful for the help that medicaid has given us in keeping the wolf from the door, as it is incredibly difficult for my husband and I to work when I am this sick, and that has a direct impact on our income. However, I feel that at this point, my quality of care is likely reduced by the fact that I am on medicaid, and it may be time for us to leave. We are at the point that we are willing to pay almost anything to get help, and I have considered asking if we might be allowed to pay cash to do an initial consult with one (or more) of the doctors we have been talking to who are out of state in order to get a sense of direction and suitability of said doctors as we move toward switching insurers. I don’t know whether or not that would be illegal.

My question is what insurance I should purchase in order to make it easiest to see one of the subspecialties. I am assuming that we would be quickly maxing out our out of pocket. Any strategies or advice would be greatly appreciated.