Confused about the best health plan for my family.

Hello,

I am in Florida and a 31 year old female. My husband is 27 years old. No kids. Combined we make about $115K. Both are in good health and exercise. No health issues other than my anemia which is controlled. I work at a hospital for the federal government so we are able to select from a mind boggling amount of plans. My husband is under my plan. I previously worked at a different hospital where the only plan was humana which seemed to cover most things with a small co-pay. Im currently with GEHA HDHP (works under the umbrella of United healthcare).

So I heard that after mortgage and student loans that medical bills are the next biggest debt due to hospitalizations. I went with GEHA because their in-patient hospitalization rate was 5% compared to other plans that were 20-30%. I was attempting to avoid any huge hospital bills if, God- forbid, my husband or myself end up in the hospital. Ive had the plan for three years now, never been hospitalized and im tired of paying such high out of pocket expenses for the deductible. It results in my husband and I sort of avoiding preventative care because we end up getting a bill from the doctor, the lab, high pay out for any prescriptions and everyone in between. My husband caught Covid in August and we had to pay a percentage for the Urgent care visit then at the pharmacy they wanted us to pay a whopping $1,200 for the Paxlovid covid medicine. The pharmacist took pity on us and did some sort of sign up that made the medicine free. Recently i went to the ER for dehydration, was there for about 3 hours and now got hit with a $1,300 bill. Im tired of this HDHP even though I like the HSA. I'm lost as to what percentages are best for young people in our situation but also offers protection if we end up staying in the hospital. Im looking for low prescription costs and low co pays. I also like the ability to visit a specialist without a referral. Am I looking for a goldilocks insurance?

submitted by /u/KorraNHaru
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