This is the cheapest plan I could find in GA. It said it would subsidize the $357/m cost down to $113 for $45k 40 year old Male non-smoker, single. It seems quite a bit better than what you are suggesting. (I used https://www.healthsherpa.com/ to more easily check out available plans.) It covers preventative care, and after the $9100 deductible, it seems to cover pretty much everything with $0 copay, as long as its in-network.

(You also get their negotiated rates when you go to the doctor, I assume.)

https://d3ul0st9g52g6o.cloudfront.net/2024/GA/sbc/2024_58081...