Is the higher premium worth it?

I deleted my most recent post, I wrote it while freaking out in the bathroom 😭 I wanted to write something more coherent

I signed up for a job based healthcare plan, and I found out today (3 days before the enrollment deadline) that the amount listed is not a monthly cost, but is taken out per paycheck.

I am a 24 year old man working full time for $18/hour in Central Florida.

I have to see a psychiatrist for medications, and I'm on Hormone Replacement Therapy so I have bloodwork done every 3 months. I have sleep apnea, I'm currently renting a machine with my current insurance. I'd like to get surgery this year, but it is something that can wait.

These are the two cheapest options offered by my job:

UnitedHealth High Deductible ($90.61 per paycheck): https://drive.google.com/file/d/1kKkSNtPI4bwd9n3Szvx80OAqo_g8nZQk/view

UnitedHealth Surest ($129.36 per paycheck): https://drive.google.com/file/d/1C5FJ9YZHRQERH3057eQCVmd_ivF_gwR1/view

I'm not sure if the price difference for the more expensive one is worth it. I'm not sure if either plan is worth it, but the idea of having no coverage makes me nervous.

Based on y'all's knowledge and experience, is either one of the plans worth it? I'm not sure if it would be cheaper to pocket the money instead and pay out of pocket (minus the surgery obviously but as I said, does not need to be done this year)

submitted by /u/123dot
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