Have you checked your state's exchange, or the federal exchange if your state doesn't have its own? That will give you a much more accurate idea of what your premiums will be, more than relying on what someone else told you. Also, if you're low-income and live in one of the states that accepted the Medicaid expansion, you may qualify for that and have little to no premium.

Private insurers are now bound by mental health parity laws, which means they have to cover mental health as adequately as they do physical health. Depending on the plan and your providers, you may still have co-pays or out-of-pocket expenses, but they can't refuse to cover mental health services. They also can't deny you coverage for pre-existing conditions anymore, including psychiatric diagnoses.