I grew up in Boston so yes I understand the cost of living. I hate to say it but you actually have a nicely controlled set of mental health costs. I don't think that is a lot to pay. I guess you will get all kinds of thoughts about this.
My deductible alone for any healthcare for me is 1500 a year. I pay full price for all healthcare until I meet that number. After that only 80% is covered.
I'm guessing I spend up to 3k if not more a year in all of my healthcare. I am however lucky to have an rx plan that seems to completely cover tier 1 meds

Point being that if it helps you live your life it might be worth it?