New job, first time having a choice between plans. Two of them are confusing me. Help needed deciding.

I'm trying to decide between plan 1 and plan 2. (I'm not interested in the high deductible plan.) The premium difference between 1 and 2 is about $1000 annually with 1 being more expensive.

https://imgur.io/a/pzQs1fs

I'm confused as to why the plan with the higher premium has a higher out of pocket maximum. I also don't fully understand the "x% after deductible". I know what the deductible is, but are we paying x% of our deductible or x% of whatever the provider is charging?

I really don't understand how plan 1 ever makes sense over plan 2. Plan 2 has a ~1k lower premium. Sure plan 1 has no deductible, but the out of pocket max is so much higher. Plan 2 has higher % after deductible, but does that even matter when the out of pocket max is so much lower?

It'll be myself and +1 on the plan. No kids. We do have regular medical expenses. Monthly doctor appointments and multiple monthly prescriptions. Occasional testing and minor medical procedures are a possibility.

submitted by /u/duncareaccount
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