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Are these correct?
If I wanted to lower the monthly pay to $84 I would need to be subject to a deductible of $10,000.00 and have to remove prescription drugs benefits
No, that should be "payment."
It's possible in some circles, "pay" is used as jargon for "payment."
I'm not a teacher, but I write for a living. Please don't ask me about 2nd conditionals, but I'm a safe bet for what reads well in (American) English.