HDHP Access 2000 (with HSA) VS Access Plus 500 for Year of having a baby (With Cigna)

Hi All, Looking for feedback on Which plan to go with for myself and my spouse. For reference I think the High Deductible Plan may suit us best since we’re choosing our plan starting in November and for next year. But would like another opinion.

for context. The high deductible plan looks like it will allow us to easily hit our dectible with my wife going into labor at the start of the year. And myself having a surgery as well that will cost a good bit.

The only thing to keep in mind is I hit my individual Deductible and OOP max on a Access Plus 500 plan that was 500 Deductible, $5000 OOP. So I am unsure on how the carry over would go into effect.

As you can also see below the difference in the breakdown. The HDHP would cost me $2,460 LESS yearly in the premium. And with my wife giving birth, and myself having a big surgery, I don’t see how the $1500 higher deductible would be worth it? I will put a breakdown as well

Price Breakdown:

Open Access 2000 Deductible HSA HDHP Plan (Cigna):

Monthly premium: $218 (yearly cost $2,616)
Cop pays: – (10% after deductible hit)
Coinsurance: 10% (they cover 90% after deductible hit)
Deductible $2,000 / $4,000 for family
OOP Max: $5,000/$10,000 for family

HSA Eligible – Which I will probably max out $8000

Total cost for having a baby example ($12,700 example)
deductible $2,000 (hit)
Copayments $0
Coinsurance $1,100
—–
Total $3,100

Open Access Plus 500 Deductible Plan (Cigna):

Monthly premium: $423 (yearly cost $5,076)
Cop pays: $15
Coinsurance: 20% (they cover 80% after deductible hit)
Deductible $500 / $1,000 for family
OOP Max: $5,000/$10,000 for family

Not HSA Eligible

Total cost for having a baby example ($12,700 example)
deductible $500 (hit)
Copayments $30
Coinsurance $2400
—–
Total $2,900