I have the cheapest plan right now but going by this table is my works health insurance horrible? I feel like I will never spend $5k whats the point. Or is just just average health insurace.

I'm still new to this whole heath insurance thing. My last job was a school and they paid for everything $0 deductible maybe $25 copay and therapy was completely free no copay. My prescriptions were never more than $5. Sadly due to covid lost that job and I had that job for awhile I just that that was normal to have that good of insurance until I came here. This plan doesn't seem to help me at all.

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Plan Name CostEachPayCheck Deductible Estimated Out-of-Pocket Costs Worst-Case Scenario Out-of-Pocket Maximum UnitedHealthcare Choice Plus HDHP 5000 $51.50 $5,000 $2,668 $7,886 $6,650 UnitedHealthcare Primary Advantage Choice Plus 5000 $188.26 $5,000 $4,568 $11,018 $6,500 UnitedHealthcare Choice Plus 6000 $241.71 $6,000 $5,916 $12,801 $7,000 UnitedHealthcare Primary Advantage Choice Plus 2000 $251.26 $2,000 $6,080 $12,530 $6,500 UnitedHealthcare Choice Plus HDHP 3000 $254.12 $3,000 $7,531 $12,749 $6,650 UnitedHealthcare Choice Plus 2500 $290.39 $2,500 $7,084 $13,819 $6,850 UnitedHealthcare Choice Plus 1500 $340.03 $1,500 $8,271 $14,511 $6,350 UnitedHealthcare Choice Plus HDHP 1500 $378.21 $1,500 $10,509 $13,077 $4,000 UnitedHealthcare Choice Plus 1000 $407.80 $1,000 $9,897 $14,287 $4,500 UnitedHealthcare Choice Plus 500 $421.17 $500 $10,218 $15,108 $5,000 submitted by /u/steven4297
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