30-something married couple with three kids under 5 (and done having kids) in Connecticut USA.

This is my husband’s first year of open enrollment in a new job with a small business. Before this year we both had HDHPs so the comparison was relatively easy. His new job offers a PPO for just under $200/week while my job still offers an HDHP with HSA for just under $270/week. Deductibles are functionally about the same — $2K/family on his plan, $4K/family on mine but my employer fronts $2K via HSA contributions. OOP max is $6K in-network for both. His plan has a $30 copay for PCP visits, $60 for specialists (and I imagine our kids’ pediatrician would be considered the latter, though I don’t know how Anthem classifies pediatricians). No co-pays on my plan for our pediatrician, but the bill after insurance for each sick visit is about $85. My PCP/gyno and husband’s PCP are both in-network; we really only see them for annual checkups. We don’t see any specialists or take any prescription meds.

Unfortunately, due to his open enrollment timing (ends today 3p) and mine (opened this morning at 9a) we don’t have a lot of time to choose. I’m hoping people more knowledgeable than I am can chime in.

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