<prompt> Human: Ok. My work offers two plans, a 55 a week plan, and a 25 a week plan. In all honesty, I cant afford either, but I dont understand the difference. The 25 is a High Deductible Plan. So that means I would have to pay full price for my visits and medication until my deductible is paid off right? That is just as, if not more, unaffordable than the 55 a week plan. Im getting kind of stressed out, I need care for my anxietyPTSDdepression, I had some severe childhood trauma, and since I turned 26 in July, Ive been without medication since then, which hasnt been great for me. Im lost guys. Edit: ok! You guys have helped me a LOT so far. Im going to go see if I can see the prices for the market place, and if its no good, Ill do the 25 and go to the local clinic that will do 35 flat visits so I can be prescribed my medication Edit: so I went over the plans, and was able to get the same plan for 10 a month because of Obamacare. Thanks for everyones help.  <response>: On an annual basis, you pay 2860 for one plan, 1300 for the other.So you are certain to pay 1560 more with the higher premium plan. The question is whether you get more coverage benefit to compensate or not. That depends on what your expenses turn out to be. 