Deciding between HDHP with HSA or Copay for hopefully an upcoming pregnancy

Hi! I could really use some advice. My husband and I are planning to get pregnant in 2024, and my work is currently in open enrollment for next year. I'm trying to decide between a HDHP with an HSA and a Copay plan. (Future proofing!)

FYI: My husband and I have separate insurance coverage through our respective employers, so all of the following numbers are for individual plans. Our open enrollment periods do not coincide, which makes it tough to price out a family plan.

Here is a summary of both individual plans my company offers (hopefully this is enough information):

HDHP with HSA

Premium: $22.62/Bi-Weekly Annual Deductible: $1,750 Max Out Of Pocket: $5,500 Primary Care Provider Visits: 15% after deductible Co-Insurance: 20% after deductible HSA: Yes & company matches part of contribution (though not a lot)

Copay

Premium: $57.23/Bi-Weekly Annual Deductible: $2,500 Max Out Of Pocket: $6,500 Primary Care Provider Visits: $35 copay Urgent Care: $65 copay ER: 20% after deductible Inpatient/Outpatient Care: 30% after deductible NO HSA available

Thanks in advance!

submitted by /u/shootyhoops10
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