Which plan to choose, with cancer mid-treatment, easily hitting OOP max?

Hello, open enrollment for my company ends in 2 days. My wife was just diagnosed with cancer and we already hit the out of pocket (OOP) max in 3 weeks this month.

I’m not sure why open enrollment is not timed with the calendar year but maybe because we are a startup. I’m also in a unique situation because my employment was to end (to being a contractor) but am being granted minimum employment to maintain benefits.

So choosing a plan, when I know we are going to quickly hit the OOP max is a new concept for me. Below are Blue Shield options, slightly simplified and my question is whether the Platinum saves the most money? (but it’s not as much as it seems)

Silver: $500 paycheck contribution/month; individual OOP max $8350

Gold: $700 paycheck contribution/month; $8500 individual OOP max. Does have jn between deductibles/copays/coinsurance rates.

Platinum: $830 paycheck contribution/month; $3000 individual OOP max.

I always assumed that the Platinum was the easy choice for these situations but now that I look at it, I’m paying an extra ~$4000 for the year from my paycheck and therefore only saving ~$1000 when we hit the OOP max ($4000 extra contribution + $3000 OOP = $7000 total on Platinum vs $8350 OOP on Silver). Am I missing anything- Platinum is slightly better? I didn’t list it but the family OOP limit on Platinum is $6K vs $16K for others so that’s a clear benefit if anything else were to happen…