Help Choosing A Plan For Family of 3 (Myself, Wife, 3yo)

Cigna HSA Open Access Plus HSA (employer contributes $250/month to HSA)
$292.46 Per Pay Period
Deductible: $3200/$6400
Office Visit: Deductible & coinsurance
Inpatient: Deductible & coinsurance
Outpatient: Deductible & coinsurance
ER: Deductible & coinsurance
RX: Deductible & coinsurance
Lab and X-Ray: Deductible & coinsurance
Out of network: $6400/$12,800
Out of pocket max: $3200/$6400 for in network; $7500/$15,000 for out of network

Cigna Open Access Plus OAP
$239.54 Per Pay Period
Deductible: $3500/$7000
Office Visit: $40 PCP & Specialist; $100 Urgent Care
Inpatient: Deductible & Coinsurance
Outpatient: Deductible & Coinsurance
ER: $250 copay/visit
RX: $20/$65/$95/$200/$40/$130/$190/$40/$130/$190/$400
Out of Network: $7500/$15,000
Out of pocket max: $5500/$11,000 for in network; $15,000/$30,000 for out of network

Tldr; family of 3, my wife and I are in our 30's. We have a 3yo who goes to school and he gets the occasional sickness from school but nothing out of the ordinary. Wife is a school teacher and maybe goes to doctor once or twice/year (usually Teladoc or CareNow). I don't usually get sick (and it drives my wife crazy haha). Trying to decide which plan is best financially and/or makes the most sense. TIA.

submitted by /u/HollaAtYuh
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