Triple covered?

So I’m in an interesting position with insurance and lost on how to proceed. I am trying to decide on insurance options.

I’m a disabled veteran and get most healthcare stuff from the VA although they are a pain.

I’m covered due to my spouses insurance. She actually gets it for free so it isn’t the best. It’s a blue cross PPO. Individual deductible is 2,200 and family is 4,400. Individual max 8,150 and Family out of pocket max is 16,300. Most other stuff is 40% after deductible with no copay?. Few copays for typical things that are like $50.

I just recently got a new job and I need to decide on insurance. So I have 2 options that I can choose from that are Blue shield PPO.

Option 1: to cover just me is $408 a year. Me and spouse is $2,352 a year. The deductible is 1,500 individual and 3,000 family. Out of pocket max is 5,000 individual and 10,000 family. 20 percent after deductible and like copay is $30 or so for everything.

Option 2 : to cover just me is $2,136 a year. Me and spouse is $4,800 a year. The deductible is 750 individual and 1500 family. Out of pocket max is 3500 individual and 7,000 family. 20 percent after deductible and copay is $15 for everything.

We currently don’t do many hospital visits although we are hoping my spouse is pregnant by end of year. Would it be worth getting her onto my insurance at all or is hers decent enough and I just stay covered essentially by 3 things. Is that allowed on my end? I feel the option 2 price doesn’t make sense and maybe I do option 1 if I do any at all. Is double covered worth the $2,300 a year to have her? The 2-5k price tag of these won’t make or break us at all. Any advice ?

Edit: we are early 30s and Live in California. After taxes we make approximately 140-150k in a cheaper cost of living

submitted by /u/Tinfoilhat3
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