Which of these medical plans would you guys pick in my shoes?

I have to choose between a Pay Later or Pay Now medical plan for next year.

Pay Later is $49 biweekly and has an $800 deductible and $4000 out of pocket max in network, $7500 out of network max, and copays for doctor visits are $5 more.

Pay Now is $67 biweekly but features a $500 deductible, a $1500 out of pocket max in network, $4000 out of network max and doctor copays are $5 less.

I’m generally healthy in my 30s but had a scare with a cyst on my kidney last year. The first MRI results were reassuring but my urologist does want me to go back and get a second MRI in spring 2024… so I’m going into next year knowing I’ll have to pay for the MRI. I do not know whether that would be enough of an incentive to pay for the Pay Now plan so I have a lower deductible and out of pocket max depending on the MRI costs.

Besides that I don’t really foresee too many medical expenses. I was thinking of trying to find a naturopathic doctor but they don’t usually take insurance anyway. But maybe that would go to my out of pocket max? Not sure how that works.

Any recommendations or insights would be much appreciated.