Need advice choosing an ACA plan

Hello all! Forgive me if this is convoluted; I’m kinda freaking out and don’t know what my best choice is going forward.

I started 2022 with an Anthem Healthkeepers Bronze 5500 policy purchased on the ACA Marketplace. I was making 60k a year and qualified for a small subsidy. I lost my job mid-year and updated my application to reflect that loss of income, which increased my subsidy.

I recently got a new job, and I have gone ahead and updated my application again, estimating that I’ll make a total of $50k in income this year. Apparently, this qualifies me for a special enrollment period, and I have the option of changing plans.

Here’s the biggest factor: I am currently 12 weeks pregnant.

I have been freaking out about the cost of this pregnancy. With my Bronze5500 policy I have an $8200 deductible and an $8700 out-of-pocket max; my understanding is that this will reset come January 1st; meaning my pregnancy could cost me upwards of $17,000. This feels absolutely terrifying, especially given the other costs associated with motherhood. My savings are severely depleted from my period of unemployment, and while I feel like my salary will support me and the baby once they get here, starting off with $17k in medical bills will put me years behind in rebuilding my emergency fund and saving money in a 529.

Given that I qualify for a special enrollment due to my income increasing, is it worthwhile to change to a gold plan ($2000 deductible, $8500 OOP) for $450/month, or should I stick with my bronze plan for $350/month. I’m already $1000 into my deductible on the bronze plan; that would reset, correct?

See also  Coordination of Benefits question

FWIW; my employer does not offer any insurance options, and the father of my child is not around/able to contribute financially.

Edit to include age (39) and zip (24091)