re: Trying to figure out the downside between a new health plan offered via employer

No ded would be a good thing wouldn't it? MD visits $15 more per month but how often do you guys go? Maybe a little maybe a lot. If you go 3 times you've spent the $45 in premium savings but if you don't go at all well, you've saved $45 in premuims.

Is there an oop max with the new plan? Like if you have to have numerous procedures in a year

I'd guess part of it just has to do with how often is "typical" for you guys to need medical care. Save $45 x12 = $540 per year savings for something that you MAY or may not need.

We're both self employed and have an individual policy so I may not be looking at this right.