Help me decide on a plan!

I know fuck all about how health insurance works for the consumer. I know how to do a killer PA and appeal form for medications though so I’m not completely blind to the facts. I am trying to pick a plan for my son(12m) and myself (24yr). I have two choice which I will do my best to outline: only using in network as I know all providers we see are in network.

PPO: biweekly cost-$291.34 OOP max- 18,000 family deductible- 9,000

HSA: Biweekly cost-$227.11 OOP max-12,800 Family deductible- 6,400

Both have co-insurance at 20%

Basically, I want to save as much money as I can for health expenses as we are a accident prone group, my son was born premature so there is a chance he needs supplemental support later on, and I have existing medical conditions. Myself alone can often meet our deductible and OOP within about 8months. * worth a mention, this is QLE enrollment as my husband lost his job and our coverage (he has a new plan from his new employer but we can not be added to that for three months). Open enrollment was in July so all plans will re-up in July 2025.

It looks like the HSA may be the better option for us but I really don’t know. I will contribute $1500 to the HSA or FSA regardless as we use that for glasses, contacts and copays

TIA for your help!

Stressed mama

submitted by /u/DermMAjenni
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