Am I being offered good health insurance programs?

Hello everyone,

I am trying to decide between 4 different healthcare plans I have available to me right now. 3 are being offered through an employer and 1 is a self-pay plan that I found elsewhere. For context I am a healthy 29 y/o male, but I do want to be covered so I am not totally destroyed financially if something happens. I am already in medical debt and don’t need anymore.

First Plan: $120/mo

$3,500 deductible

$7,500 out of pocket MAX

all services other than preventative care are 30% AD

So it makes me think I am pretty much going to be paying the full amount for everything I do unless I go to the ER or something.

Second Plan: $280/mo

$1,500 deductible

$6,600 out of pocket MAX

Office visits have a $20-50 copay

Urgent Care $50 copay

Telehealth $10 copay

Everything else 20% AD

Obviously this is the best plan, but $280/mo seems so expensive.

Third Plan: $177/mo

$2,000 deductible

$6,450 out of pocket MAX

Preventative care covered 100%

All other services 20% AD

Fourth Plan: $230/mo

This is the one not being offered through my employer, not sure I understand it, it says:

Coinsurance: PPO 80%/20% (what does this mean?)

$5,000 deductible

Doctor office visits $100/3 visits

Diagnostic lab tests $40/3 days

Diagnostic X-Ray $75/2 days

Urgent Care $100/1 day

Physical $125/1 exam

EKG $50/ 1 exam

Stress EKG $100/1 exam

Colonoscopy $450/1 exam

So if anyone has any input I would appreciate it. As far as deductible/out-of-pocket MAX goes, what is the difference? Is a deductible for each individual visit and out-of-pocket max for the year? Any input is appreciated!