Did I miss something? My tax credit got larger and my deductible, OOP max and premium lowered since Nov. 1st

Hello,

I’ve been catastrophizing for over a month now because my premium went from $77 to $468 and my deductible went from $150 to $3250 while my OOP max went from $1500 to $8250.

I don’t remember the numbers but the copays got larger and the ER copay went from $250 (deductible did not apply) to $1000 after deductible.

I just logged back in to finalize everything and potentially browse other plans and this is what it shows now (I didn’t change anything):

-$187 premium

-$100 deductible

-$1650 OOP max

-Copays and coverage are the same except the ER copay is now $350 instead of $250

If I didn’t change my application, WTF changed? I don’t remember what the tax credit was when I first looked but it is now $509 despite my income being more and my current tax credit for 2025 being $421

I’m beyond grateful but I just feel like this can’t be right?!! Like this is too good to be true?!