My second example was specifically called out as an example of an issue even with PPO's. Also, not everyone (including myself) can easily change jobs or get ins

My second example was specifically called out as an example of an issue even with PPO's. Also, not everyone (including myself) can easily change jobs or get insurance that simply isn't even offered by the employer. Worth noting that in my state for example, none of the public ACA health insurance options are a PPO.