Is the low deductible plan with the high premiums worth it for me?

Hello I need to choose a health insurance plan for next year and I feel like I must be missing something because something about the options I have is not adding up to me. For context, I have Type 1 diabetes (so I hit my IN MOOP every year) and my wife is giving birth to our first at the end of this year so for 2024 I will have 3 people on my plan who likely all need numerous trips to the doctor. Normally, picking a plan seems like a no-brainer – my situation seems like the obvious case where you want to just pick the lowest deductible plan. However, the premium on the only low deductible plan available (BCFL 250) is insane – nearly $20k/yr.

As I ran the numbers it began looking to me like the premium on the low deductible plan is in fact SO high that no matter how much money you spend on either IN or OON expenses, you still end up spending more money on that plan just due to the premium. Now mind you both my wife and I regularly use our OON benefits (I hit my $3k OON deductible this year and she almost hit it), but even that did not seem to change the outcome when I look at the numbers.

So am I misunderstanding something here or is the low deductible plan BCFL 250 ALWAYS more expensive than the others no matter how much you spend? Any suggestions on the best plan to pick here?

Full plan details here:

https://drive.google.com/file/d/19BTfSAOYzHrCtL9js31QT-JZWdUgc0bm/view?usp=sharing

My summary of "worst case scenarios":

Plan Name BCFL 5000 BCFL 6600 BCFL 250 BCFL 2500 Yearly Premium + IN MOOP $16,738.88 Yearly Premium + OON MOOP $21,738.88 Yearly Premium + IN MOOP + OON MOOP $26,738.88

Sorry I'm having issues with the table

submitted by /u/ZSAD13
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