Help selecting marketplace plan!

Hello, I am renewing my market place plan and need some help. Hopefully someone that has navigated the same issues and has done their research as well can chime in.

For context: Currently my premium is $80, in network deductible is 550 and out of pocket max is 550, with 0 costs after meeting my deductible. For my same plan for next year, my deductible would now be 1600, and max out of pocket costs as 1600 and premium 115 with ,again, everything covered after deductible has been met. I hate how everything went up, but also realize this is still good coverage.

My questions are:

1) In researching some lower premium options, when would a lower deductible (500) and higher out of pocket (3k) be more advantageous?

2) Reminder my current plan of 1600 deductible and 1600 OOP has everything covered after deductible is met. Now, some plans have a lower deductible (say 500), higher out of pocket (3k), but list drs office visits as "$10 primary care visit from day 1, $20 specialist visit from day 1" etc. What does this mean? In this case, we keep paying a portion of cost until the out of pocket max is met?

3) In the marketplace, some options show an "easy pricing" option which means benefits start before the deductible is met even. So for example the same 500 deductible and 3k OOP max (e.g., "From day 1, you’ll pay only a copayment for some services, like doctor visits.") Does this mean there is a cap on how much we can be charged per visit? Or not necessarily, if fees for services are high?

submitted by /u/Immediate-Button1367
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