Some plans have high copayments where a low deductible like $2000 and then 20% after may be cheaper.

I see an acupuncturist 24 times a year and 6 other specialists along with my primary, lab work, medications. I would hit $2000 very quickly.

Once I do, I then pay only the 20%, which is probably less than $45.

Plus you can contribute to an HSA and save significantly for several years and then switch to a better plan and have that money to use whenever.