Is my health insurance worth the monthly cost?

I’ve had my insurance (Aetna Open Access EPO) since Jan 2023. In 2023, the plan was $348 monthly, this year it is $404 monthly and in 2025 it will be $530 monthly.

In 2023 and 2024 my deductible was $200, each year I was only able to get $53.61 applied to my deductible. After I met my deductible my insurance would pay 100% of my cost. I am projecting to have spent $9,828 (not including my copay for my doctor’s visit) on my insurance between 2023 and 2024, while my plan’s share of all my insurance claims in 2023 and 2024 year to date has been $13,667.

I was thinking of ditching this plan for a $112 per month plan (UHC) with a higher deductible (around $3300 yearly) and would pay 90% of costs after I met my deductible. It seems like a no-brainer!

But there’s an issue that’s making me feel the need to stick it out with my current insurance. Aetna has approved coverage of a ~$200k surgery that I will be having in February.

Is the affordability of the UHC plan worth the risk that UHC might deny coverage for my surgery?

Edit: My pretax income for 2023 was $101k, this year it is $115k and next year it will probably be around $130k

submitted by /u/100linesofcokelater
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