I am sorry to hear about your cancer. I hope your recovery is going ok.

I have the same deductible as you but a bit higher premium. After deductible, my insurance covers everything 100% though. But when you think of a higher premium I think it evens out. Like you owe almost 2k after surgery. I’d owe nothing BUT those 2k (or a bit less) is distributed in my premiums throughout the year.

Some insurances look better than others but when you analyze what’s happening, it’s all the same thing! The only difference i think is when you have high deductible. That’s not manageable