Submitted by Subliminallly_cool t3_127nqkl in personalfinance
Hello,
Me an my wife are hoping to get some advice on what health insurance plan to choose from.
I am starting a new job this June and will have to enrol for health insurance for me and my wife.
We are planning on start trying to have a baby this Nov/December and we are hoping to have a baby soonest next August/Sept.
The details of the two plans we are considering is:
HSA
- Deductible: $3,400
- Premium: $3,360
- Out of Pocket Max: $6,800
- Coinsurance: 20%
- Employer funding: $1,800
PPO
- Deductible: $1,000
- Premium: $5,204
- Out of Pocket Max: $7,000
- Coinsurance: 20%
- No HSA available
For the HSA, most hospital bills (in&out patient care, specialist, primary care, ER etc) require coinsurance and deductible.
For the PPO, just in&out patient care require such. The rest is <$50 copay except ER at $150.
There's a few other details.
I would really appreciate any advice or suggestions.
Thanks in advance!
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