A lower premium sounds like an easy win, until you remember your deductible and out-of-pocket max reset to zero on the new plan. See the real remaining-year cost before you decide.
Staying put only applies your plan's deductible and out-of-pocket max to whatever amount you haven't already paid this year. Switching plans starts both at zero, no matter how much you've already spent, since a new plan has no record of your prior spending. This tool compares total cost for just the remaining months, not the full year, since the months already behind you cost the same either way.
If you've already met a meaningful chunk of your current deductible, staying put means future care is taxed at coinsurance or fully covered sooner. Switching resets that progress, even a small amount of additional care under a fresh deductible can cost more than a few months of a higher premium would have.
This assumes your accumulated deductible and out-of-pocket spending don't transfer to the new plan, which is true in the vast majority of cases but not universal, some insurers offer accumulator transfers within the same carrier. Confirm with both plans directly if that might apply to you. This also doesn't model network differences, which can matter as much as the dollar math if your current doctors aren't in the new plan's network.