First time health insurance

I need help figuring out how to determine the best plan for my wife and I. We are expecting a kid in the next 8 months, and I have no clue how to plan for this health insurance wise. Here are my options.

All plans will be from BlueCross BlueShield of Texas

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Consumer Choice Plan

Bi-Weekly BB Premium: Employee + Spouse $71.08; Family $96.46

Deductible: $6,000

Out of Pocket Maximum: $9,500 In Network, $19,000 Out of Network

Expenses: 20% In Network after deductible, 50% Out of Network after deductible

Eligible for HSA: Employer contribution $500/yr

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Standard PPO

Bi-Weekly BB Premium: Employee + Spouse $104.77; Family $144.92

Deductible: $3,000

Out of Pocket Maximum: $8,500 In Network, $17,000 Out of Network

Expenses: 20% In Network after deductible, 50% Out of Network after deductible

Prescription (Generic): $15 copay (Retail 30 day supply) 25% (Minimum $65; Maximum $200) (Mail order 90 day supply)

Prescription (Preferred): 25% – (Minimum $25; Maximum $100) (Retail 30 day supply) 45% (Minimum $115; Maximum $250) (Mail order 90 day supply)

Prescription (Specialty): 30% of total (Coinsurance waived if enrolled in PrudentRx)

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Saver Plan

Bi-Weekly BB Premium: Employee + Spouse $27.69; Family $46.15

Deductible: $8,000

Out of Pocket Maximum: $8,000

Expenses: 0% after deductible

Eligible for HSA: Employer contribution $0/yr
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Some information about us. My wife and I are relatively healthy; additionally, I usually get my health care through the VA anyways. My wife doesn't go to the doctor often, but she has really really bad allergies that I would like for her to seek treatment on. Also, she had her eardrum rupture when she was a kid. We are having a kid in 8 months, so I am not sure how our insurance expenses will change when this happens.

submitted by /u/Popular-Guard-7772
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