Base vs HSA eligible health insurance plan if you plan to have high utilization

We are a young, otherwise healthy couple in our mid-30s planning to start a family in the next 12 months and anticipate being high utilizers of medical care during this benefit period, expecting to go over the deductible and reach the out-of-pocket maximum.

Although we have always chosen the HSA-eligible plan in the past, this year we are concerned about the lack of out-of-network coverage, although this would be a rare event and mitigated with a 6-month emergency fund, versus the ability to contribute to an HSA.

We would appreciated any advice on whether we should choose the Base Plan or continue with the HSA-eligible plan under these circumstances?

Base Plan ($533.07 per month) HDHP Plan ($769.71 per month) In-Network Out-of-Network In-Network Out-of-Network Annual Deductible Family $10,000 $30,000 $5,000 Not covered Coinsurance 70% 50% 80% Not covered Maximum Out-of-Pocket* Family $12,700 $40,000 $10,000 Not covered Physician Office Visit Primary Care $30 copay 50% after deductible 20% after deductible Not covered Specialty Care $55 copay 50% after deductible 20% after deductible Not covered submitted by /u/shortyshock
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