Sounds to me like a low deductible plan might be worth it this year since you should qualify for extensive subsidies to offset the higher premium. That’s kind of a high-level suggestion though without seeing the actual plans available to you. For instance, I generally opt for the high-deductible plan offered by my company over the low-deductible one, which might seem counter-intuitive given my medical situation. That is, until you look at the details – our high deductible plan covers expenses 100% once the deductible is hit, while the low-deductible plan requires me to pay 10% coinsurance until I hit the out of pocket max. I avoid coinsurance like the plague.