My new job offers two types of insurance, and I have a shoulder injury. It seems like I’m screwed no matter which plan I choose…any help is appreciated.

I’m a 23 year old who has a shoulder that dislocates frequently, so I know I’m going to need several orthopedist visits, as well as the potential for PT or surgery. On top of that, I’d like to start seeing a therapist regularly.

I’m on my mom’s health insurance, but I moved away from home and there’s no participating doctors. After a $200 deductible, the insurance will reimburse me for a certain amount, depending on what I get done and the procedure code. I don’t think this is the way to go, and my new job has two insurance plans to choose from – high deductible and low premium or high premium and low deductible.

The high deductible plan is $100 a month with a $3,250 deductible. That comes out to $4,450/yr if I max the deductible, which is a possibility due to my shoulder + therapy. MY company offers a HSA, but they only contribute $67 per month.

The low deductible plan is $315 a month with a $1,200 deductible. That comes out to $4,980/yr. How does it make sense that it’s more expensive? Wouldn’t it make sense to do the high deductible plan, if I expect to max the deductible anyway?

The coinsurance on each plan is the same. The OOP max for the HDHP is $4,200 and for the traditional plan its $3,000

I really don’t know what to do. I feel like either way I look at it, I’m going to be taking a big financial hit. Can someone please help?