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