Baby due in Jan – need help choosing health insurance for open enrollment
Looking for advice on which health insurance plan to choose for me/my husband/family next year; whether or not to combine into one plan or keep separate. Here’s the math I did and the data I have on our options:
|| || ||Annual Contribution|Deductible|OOP Max|Max Gap b/w Deductible/OOP Max|Annual Cost|Actual Possible cost to me|| ||(employer)|||(based on at least 12 visits/year)|(employee)|(C + E + F (-B if applicable))|| |Husband PPO|||||||80/20 between deductible & oop max| |self|n/a|$400|$3,500|$620|$828|$1,848|| |self + child|n/a|$800|$7,000|$1,240|$1,296|$3,336|| |Husband HDHP/HSA|||||||90/10 between deductible & oop max| |self|$900|$1,600|$3,000|$140|$480|$1,320|| |self + child|$1,800|$3,300|$6,000|$270|$600|$2,370|| |self + family|$1,800|$3,300|$6,000|$270|$1,128|$2,898|| |Wife PPO|||||||$20 office visit, no charge after deductible for maternity hospital| |self|n/a|$250|$3,000|$240|$1,851|$2,341|| |self + child|n/a|?|?|$240|$3,057|?|| |self + family|n/a|$500|$6,000|$240|$5,075|$5,815|| |Wife HDHP/HSA|||||||90/10 between deductible & oop max (for physician and hospital)| |self|$825|$1,650|$3,050|$140|$905|$1,870|| |self + child||?|?||$1,495|?|| |self + family|$1,650|$3,300|$6,100|$280|$2,483|$4,413||
