Need help selecting a plan!

Greetings,

I am starting a new job in Indiana and I have to select the health insurance plan for my wife and me. We are early 30s and healthy. I never understood health insurance.

I just would like a little advice. Below are the details.

Plan A is HSA Qualified Health Plan, $121.39 eighteen times a year, with Employer HSA Contribution of $660.06

Plan B is PPO Health Plan 2023, $208.42 eighteen times a year

Individual Deductible

A:$2,500 B: $1,300

Family Deductible

A: $5,000 B: $3,900

Individual Out of Pocket Max (OOP Max)

A: $4,750 B: $4,050

Family Out of Pocket Max (OOP Max)

A: $7,150 (Individual)/$8,250 (Family) B:$9,750

Doctor's Office Visit

A: 20% Coinsurance B: 20% Coinsurance

Inpatient

A: 20% Coinsurance B: 20% Coinsurance

Outpatient

A: 20% Coinsurance B: 20% Coinsurance

Emergency Room Visit

A: $200 Copay/Visit then 20% Coinsurance B: $200 Copay/Visit then 20% Coinsurance

Prescription Drugs

A: Tier 1: 20% Coinsurance, Tier 2: 40% Coinsurance, Tier 3: 50% Coinsurance, Specialty: $110

B: Tier 1: 20% Coinsurance, Tier 2: 40% Coinsurance, Tier 3: 50% Coinsurance, Specialty: $110

Mail Order Prescription Medications

A; Tier 1: 20% Coinsurance, Tier 2: 40% Coinsurance, Tier 3: 50% Coinsurance, Specialty: $110

B: Tier 1: 20% Coinsurance, Tier 2: 40% Coinsurance, Tier 3: 50% Coinsurance, Specialty: $110

submitted by /u/rktay52
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