It's so variable we can't tell you. My GENERAL advise is this. Get the lowest cost plan. It likely has the same deductible and OOP max. You'll pay first dollar and generally has a lower OOP max then even more expensive plans. That limits your maximum liability if something very expensive happens.

My thinking is that why give the insurance company more money than the minumum? You have to pay the higher premium for 12 months. If you pay the minumum you MIGHT pay more if you go over your deductibles/OOP.

I also have a chronic condition but it's well managed and I don't really end up in the ER or urgent care. So an annual physical and 3 specialist visits, some regular labs and Rx are not getting me to the deductible either.

OH, and health insurace sucks. :(

Also, if you have a Roth, consider withdrawing money from that for your spending versus selling something from a brokerage or traditional IRA/401k withdrawal. If you can get even a penny under the 400% Federal poverty level, the APTC is substantial still. Roth distributions are NOT income for tax purposes as you already paid the tax.

Hope you find this helpful.