Help Me Use Health Insurance For Open Enrollment

Which plan should I choose?!

My employer is starting open enrollment and having trouble choosing an insurance plan

Provider: UMR

HDHP:

How much Employee will pay: $46.00 How much Employer will pay: ? (Unknown)

Deductible: $2,000/Individual(In-Network) $4,000/Individual (Out-of Network)

Out-of-Pocket Limit: $6,800/Individual (In-Network) $8,000/Individual (Out-of-Network)

In-Network Co-pay: 20% Insurance Out-of-Network Co-pay: 40% Insurance

Pharmaceutical Drugs (all): 20% coinsurance (in-network) / person responsible for payment upfront if using out-of-network pharmacy.

I do not know how much the employer will contribute to an HSA. —————————————————————- Provider: UMR PPO:

How much Employee will Pay: $56.00 How much Employer Will Pay: ? (Unknown)

Deductible:

$500/Individual (In-Network) $3,000/Individual (Out-of Network)

Out-of-Pocket Limit: $1,600/Individual (In-Network) $6,000/Individual (Out-of Network)

Co-pay: $10 for primary care (in-network) deductible-waived and $30 for specialist (in-network) deductible-waived

Co-pay: 40% coinsurance

Pharmaceutical Drugs (all): 20% co-pay (in-network) / person responsible for payment upfront if using out-of-network pharmacy.

Which health insurance should I choose? I am in my thirties. Which will kick in sooner? I am learning towards PPO. Any suggestions or advice would be appreciated. Thanx.