Can someone explain this to me like I’m 5?

Hi all, this is my first post here so I’m sorry if it’s very infantile. My wife and I have had employer sponsored insurance for a few years but she is leaving her job. The new job doesn’t offer coverage but they do reimburse her for health care. For context: through her old job (she worked part time) we paid about $360 monthly for the both of us. It was a high deductible (about 7k I believe). It was BCBS of Michigan.

So the confusion I have is that we needed to meet the deductible before our copay kicked in right? But we have never once met this deductible, yet ER visits were always $100 flat. My psychiatrist was usually $150 but I would only pay like $40. How is this possible? Even if it was a coinsurance thing, it always says “coinsurance after deductible “

So I’m looking on marketplace and trying to pick out a new plan. But I have no effing idea what to look for. All the plans that I can afford are high deductible (which I expect) but so was the plan I had before so.. will I ACTUALLY have to pay the deductible?

Mental health coverage is very important, and so is urgent care. I live in NYS and combined we make about 57k (we’re both in school). If anyone can just help me understand what to look for vs. what to expect, I’d be very grateful.

Thanks so much!

submitted by /u/Bamieclif
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