International student insurance help

Hi! I am an international student and will move to New York in the Fall. I don't know anything about insurance, but I am required to get one, and I got in contact with ISO. I have three options: the silver, the gold and the platinum plan. They all seem great to me, but I really don't know how much medical expenses can be in the US. I can't afford the platinum, I am conflicted between the gold and the silver. I have a pre-existing condition, and I have to take pregabalin for it everyday. The only plan that covers preexisting conditions after six months is the silver, so it seems like the best option, but it's also the less covering. I would need to buy medication and get somebody to prescribe it to me, and I was wondering how much that would cost without insurance, to see if I could afford to get the gold plan to be more covered in case of emergency, and buy medication without insurance coverage. Can you help? I wrote the general characteristics of the plans below.

Silver: Cost 31 per month before I turn 25 (January), 54 after that Annual maximum 400,000 Per injury/sickness max 150,000 Deductible per event student health center 45 Deductible per event elsewhere 100 Copay Emergency room 350 Emergency room 80% Coinsurance 100% up to daily benefit limits Pre existing conditions covered after 6 months Medical evacuation 60,000 Repatriation of remains 50,000 Provider network first health and multiplan

Gold: Cost 49 per month before I turn 25 (January), 95 after that Annual maximum unlimited Per injury/sickness max 300,000 Annual deductible in-network 500 Annual deductible out-of-network 750 Copay student health center 25 Copay primary care physician 40 Copay specialist/urgent care 50 Coinsurance in-network 80% Medical evacuation 120,000 Repatriation of remains 60,000 Provider network first health and multiplan

Platinum: Cost 75 per month before I turn 25 (January), 118 after that Annual maximum unlimited Per injury/sickness max 500,000 Annual deductible in-network 250 Annual deductible out-of-network 400 Copay student health center 15 Coinsurance in-network 80% Immunizations and preventive care 200 Medical evacuation unlimited Repatriation of remains unlimited Provider network first health and multiplan

submitted by /u/ActuallyNotSoBright
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