Help choosing between PPO and HDHP plans!

Hi there,

I am looking for some help evaluating my health insurance options (having recently moved to the US from Australia).

I have set out the options offered by my employer below, which will cover myself and my wife, both in our early/mid 30s with no major health issues. We both visit the doctor perhaps just a few times each per year.

For the HSA, my employer will make a contribution of $2,500 for myself + spouse (employer/employee HSA contributions cannot exceed $8,300 in 2024). For the PPO plans I would plan on contributing the max of $3,050 to an FSA (my employer does not contribute).

Financially, we can afford any of these options, but are just unsure which makes the most sense. Any help would be greatly appreciated!

PS: one wrinkle – would the outcome be different if my wife got pregnant next year?

PPO 100/50 PPO 90/70 HDHP with HSA Total Annual Premium $10,049 $8,151 $2,015 Deductible $1,200 $1,500 $5,000 OOP Max $4,500 $7,000 $6,850 Physician Visit $35 $25 10%* Specialist Visit $55 $40 10%* Lab / X-Rays / Tests $0 after deductible $0 after deductible 10%* Emergency Room $200 $200 10%* Urgent Care $75 $75 10%* Hospitalization etc. $0 after deductible 10%* 10%* Prescription Drugs $15 / $35 / $60 $15 / $35 / $60 $10 / $30 / $50*

* after deductible is met.

Thank you in advance!

submitted by /u/dassnoseek
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