I guess I hadn't really considered the medical insurance aspect of Covid until I saw this thread. Although I'd be wiling to cruise as soon as the cruise lines think they have a plan, I wouldn't cruise without medical insurance. I would wear a mask in public areas and practice social distancing. The Level 3 travel advisory seems to be threshold for ending the insurance coverage. As I read the CDC guidelines, all international travel is under a Level 3 warning and cruise line travel is also viewed as unnecessary. It appears to me that both of these restrictions would need to be lifted in order to have coverage on a cruise. I'm not sure that I see that happening soon for my November 2020 cruise or even my February 2021 cruises. I had viewed my return to cruising as my decision, but the lack of insurance coverage takes that decision out of my hands.
There had been some discussion about changing the policy language in other threads, by if I remember correctly Steve D. indicated that might be difficult because each state would need to have the insurance commissioners approve the language changes an that takes a long time.
I purchased 3rd party travel insurance for my November 2020 cruise before the pandemic, so that may still provide some coverage but I was really viewing the medical coverage as secondary because I was counting on my GeoBlue to provide the medical coverage.
I don't think we are going to find any coverage as long as the Level 3 waring is in effect. For me the next deadline will be the end of July when final payment is due.