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What is the maximum out of pocket per year? What are the co-pays per doctor visit? A deductible is only part of the equation. If you read the plan it may say something like "no coverage until deductible is met, then it's an 80/20 split until you hit the plan maximum out of pocket". That can be a significant amount of money.

Max is 4k. $25 copay for visits

If that is the case, it seems okay. Please make sure to really carefully read everything on that plan. Nothing worse than finding out after the fact that there are costs you didn't account for.

This is a good option for you. You’re young and healthy. You can get your yearly physical, free inhaler, and if you get bronchitis you can hit the minute clinic. You’re not involved in crazy hobbies like free climbing skyscrapers, are you?

Hiking is about as extreme as I get

Ok. Be careful out there! And welcome to adulthood. Health insurance, it’s fun, right?

As long as you pay the payer that sells this coverage product and consumer-drive only to and from the vendors this payer will pay, two of which are your own employer's stores, you can kinda guesstimate that you'll be OOPed out of $4000 + ($19*pay period)/year at most.

>Free yearly physicals

This isn't a "feature" of this product. It's mandated for all ACA-compliant coverage products. Check the specific items you can put in your cart for free at point of sale, for all adults and for women if applicable, carefully.

>on my company’s HR site and it shows my inhaler will be $0 a month on this plan. It’s covered as a maintenance medicine.

Insurance sellers' formularies can and are changed at will unless geographically-dependent regulation (50 instances of it) says otherwise

The deductible and the in-network annual out of pocket maximum are often 2 different numbers, so just confirming that both are $4K on this plan. What about out of network out of pocket maximum and deductible?