Advice on new UHC "Copay Focus" plans with zero deductible?

We are a married couple in 50s & no longer have dependents in household as of this year, our prescription drug cost is very low. I might need a foot surgery this coming year. I am changing plans on ACA marketplace in 2023 and see this United health care option "Copay Focus" which has zero deductible. It also has more fixed costs for each kind of visit. Comparing the copay focus bronze plan with the standard bronze plan (North Carolina), for example (first number in each example is copay focus):xrays: $100 vs. 50% coinsurance after deductible;outpatient facility: $375 vs. 50% coinsurance after deductible;

emergency room; $2,000 vs 50% coinsurance after deductible;

hospital stay: $3000/day vs. 50% coinsurance after deductible.

Now, to me copay focus seems like a clear win in every scenario. I mean, in most of these larger cost scenarios like a major diagnosis (cancer or etc.) or ER followed by hospital stay, you are going to hit the out of pocket maximum quickly and then the insurance pays 100% right? So it's all about what happens prior to $9,000 per person $18000 per family. The key thing here is that for the copay focus plan, if we don't have a major event and our costs stay under the $7000 range (which has been every year of our lives), we are getting more coverage of each event since the % coinsurance only kicks in after deductible.

The thing that seems odd to me is for the bronze plans, of course the deductible is right up close to the oop maximum at $7500ish vs. $9000 per person & double that per family, on our case a family of 2. So all the "coinsurance after deductible" only kicks in for $1500 worth of expenses – seems really weird. Makes me feel like I'm completely misunderstanding something. Am I?

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submitted by /u/6seed
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