Can the high-deductible plan really be the best choice regardless of our medical situation?

Hello! My husband was offered a new job. While reviewing the family benefit plans I thought I found what would be the best for our situation – we are planning to get pregnant, will have c-section, medication costs, not much else. I figured choosing the higher premiums would be worth it this year due to the pregnancy. However they offered a new software tool ("my alex") to help compare the plans and it is showing that the high-deductible plan is actually the cheapest total cost for the year. When I go in and edit it to not include a pregnancy, to include additional costs, etc. it actually always comes back as the cheapest option. Is this right?

When I look at the breakdown it does make some sense, especially because the deductible IS the out-of-pocket max. Plus the out-of-pocket max is only 2.5k more than the out-of-pocket max for the much higher premium plan (3.2k higher yearly in premium costs). Am I missing something? I guess this just goes against everything I thought I understood about the world of health insurance (but I'm also way dumb about this stuff).

submitted by /u/blujeannes
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