Please help!!

Hi everyone! I hate to admit it but I just don't understand health insurance plans. I have until tomorrow to make a decision on health insurance and I desperately need help! I am currently on a marketplace health plan where I pay around $50 month for medical/dental/vision after a tax credit. Without the tax credit the plan would be about $275 per month. I have an opportunity to switch to an employer health plan that would take roughly $78/week out of my check pre tax. The plan I am on currently has a $7000 deductible and then once met everything is pretty much $0 co-insurance. 6 months into the year I've met about $1,500-2,000 of that so I doubt I would ever reach it. The new plan would have a $2000 deductible and fixed co pays and prescription costs and under most categories says "deductible does not apply". My main concern is prescription costs because I have a chronic medical condition. For example a medicine my dr. just prescribed would be $900 on current plan. I believe it would be $35 on new plan but since it says "deductible does not apply" I'm not sure if that price is AFTER I meet the $2000 deductible or not. If anyone could explain what is a better plan and if I could get the lower prescription costs before meeting deductible I would really appreciate it. I apologize for the long rant but I am CONFUSED 😕

submitted by /u/Electriclady22
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