Help choosing a plan!

Hello all! So the company I’m with is getting new insurance as we previously had Humana and they are no longer private. We now have 2 anthem plans to choose from and I’m really not sure which to go with. I’ll add some info below and any advice is welcome and appreciated.

Family of 5. Me(M31). Wife(F31) 3 children (6,4,2)

The only foreseeable claim we have coming up would be my 6YO tonsillectomy. Other than that it’s wellness visits and the occasional cold/sinus/strep urgent care visit. I’ve had a vasectomy so no more pregnancies.

The HSA sounds great but the fear of something happening and getting that OOP money together would really hurt financially.

PPO HSA Weekly premium 57.66 Deductible 4000/8000 OOP 6000/12000 Everything else is 100% AD Physicians Specialist ER Urgent care Prescriptions

Standard PPO Weekly premium 180.68 Deductible 2500/5000 OOP 5000/10000 Physician 30 copay Specialist 60 copay ER 500 copay (after AD) (waived if admitted) Urgent care 30 copay Prescriptions have levels of copay Remainder is all 80% after AD

For HSA plan the IRS annual limit is 8300 Employer will contribute $38.46 weekly

submitted by /u/SeaweedNo3423
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