Health Insurance Open Enrollment help :(

Hoping to get some opinions on insurance options I have available at work. In the past i've mostly done HDHP plans but the new employer has some better PPO options than i've had in the past (and just way more plans in general). Employer also offers HMO and ACO (never heard of this) with $0 deductibles, and some Kaiser plans. I prefer to stay with Blue Shield as it's more familiar to me.

My health context: fairly healthy, but have some specialist visits (allergist, ENT, etc.) I'd like to get to this year. I have about 3.7k in an HSA (2k cash, 1.7 invested). I am fairly risk-averse and don't like the mystery of how much things cost in healthcare in the states 🙁

My employer covers approximately $330 of the premiums listed here (per paycheck – 26 per year)

most expensive/best of each plan type:

https://preview.redd.it/x2l9zh7tcb0d1.png?width=1477&format=png&auto=webp&s=28a25e62742fc7a77857d4983f80139f00b9243e

https://preview.redd.it/6j85kkjucb0d1.png?width=1481&format=png&auto=webp&s=f757c0f721e328a7cbac412782af93c3281bd02a

All plans:

https://preview.redd.it/e82s7ti2ab0d1.png?width=1120&format=png&auto=webp&s=dd581eafbc440229ee32dc6d06d3377263887250

https://preview.redd.it/slz26zq3ab0d1.png?width=1115&format=png&auto=webp&s=d82d8d834a2e1611d95985c739401bb535a0cae5

Any thoughts/input welcome!

submitted by /u/housebound_homie
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