Anything to be aware of before adding my spouse to my health insurance next open enrollment?

When comparing my health care plan to my spouse’s, I think I have the advantage. No out of pocket premiums on my plan, but my plan has a higher family deductible (1500 vs 1030). My spouse’s monthly premiums are around $97/month. Also, I can have my spouse and two children on my plan with no premiums.

My family out of pocket is $2600(spouse has coinsurance that says this “In network, you pay 20% up to $3,000 per individual or $6,000 per family.”).

One thing I noticed about my spouse’s plan is the following for physician’s visits: You pay a $15 copayment plus the remaining allowed amount until you meet your deductible. Then, you pay the copayment plus your coinsurance. I just have copay.

We do plan to have a kid in the next year or two. I asked around my work and I think it was around $2k out of pocket. We would use FSA to help with that.

I am curious if there is anything else I should research before making the move to add my spouse to my plan. We have quarterly open enrollment for medical/dental. FSA and vision are once a year.

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