Very high deductible w/lower premium or (still kind of high but) lower deductible with higher premium?

I make 48k a year so I get some of the premium subsidized (about 265/month I believe). I live with my fiancée who makes a similar amount in a relatively high cost of living area (CT, 06359), and we don’t live paycheck to paycheck but don’t have much to spare. We also spent approx 2019-2023 living paycheck to paycheck and have loads of debt because of it.

I’m 27, generally healthy, BUT I haven’t had health insurance for over a year so definitely need to get some thorough checkups. I also am on two different meds for mental health but want to change them and will need to see a psychiatrist to work that out. I suspect I’ll end up on a different medication that could be quite expensive out of pocket bc of shortages of the generic. I also will need to see some specialists for musculoskeletal issues and whatnot.

(As a side note, I also need to get dental insurance that will cover some amount of basic restoration because I know I have cavities, so my general health care budget will be tight because of that too).

I have a few options that are all around 150-300 a month. Deductibles vary from 1500 to 7000.

Considering it’s already May, and my health situations described above, am I better off paying like $150/month with a 6500-7000 ish deductible or going for the 200+ premium to have a deductible more around 2000?

submitted by /u/Feisty-Sherbert
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