Travel ban on Europe for US Citizens. I'm already here, what should I do?

Title was a bit misleading. There are travel restrictions in place to the USA from europe. As a US citizen, I can still return home at this time and maybe face some quarantine on arrival, but i'm still uncertain what to do:

I'm in Bulgaria and woke up to a flock of texts stating that Europe has been escalated to level 3 on the cdc page.

I have a travel medical insurance that covers coronavirus but if the country i'm in is level 3 by the cdc, then i have 10 days to take advantage of their emergency medical evacuation policy or lose protection for corona related expenses.

I fear that going home, I won't be able to travel for a long time but at the same time is this the most sensical decision? I could also foresee jumping to a different country or getting an isolated airbnb.

What do you all think? Should I get out now?