Hey folks. Some of you are way good at adulting and for that, I look up to you. As my collective voice of reason, I hereby submit a request for advice.

For the last year I've been insured under ACA. It's been fine, my rate was about $185 a month and I had a $1000 deductible. However, I've been struggling to hit that deductible since the good version of my meds would mean paying $350 out of pocket every month until the deductible is hit. Therefore, I've stayed on the crappy version of my meds.

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This year, due to open enrollment, I'm now covered under my work policy. It ends up being less per month but a higher deductible, but there's a way I might be able to hit it: eye surgery. Due to complications from lifelong diabetes, I need surgery on my right eye. I'm fairly certain it would fulfill my deductible, at which point I can get back on the good meds and not pay out the ass for them, which in turn will improve my health.

I also need my lady-parts examined and I already asked for advice on birth control, so ideally I'd get the eye thing taken care of first so I don't have to pay so much out of pocket for hooha meds as welll.

Is this a good line of thinking, or am I delusional as per usual?