Need help choosing a plan

Hello,

This is my first time choosing a healthcare plan and I'm not really familiar with healthcare in the US. I have access to 3 plans from United:

HDHP/HSA: $85/week ($4400/annual)

$3200 deductible, $6500 out of pocket limit

EPO: $144/week ($7500/annual)

$1250 deductible, $3000 out of pocket limit

PPO: $194/week ($10000/annual)

$500 deductible (in-network), $2000 deductible (out of network) / $2500 out of pocket limit (in-network), $5000 out of pocket limit (out of network)

I have no health conditions (other than vision-related, which seems to need a separate insurance) and rarely visit the doctor's office. I also have no primary care physician in the area so I don't have a preference as to whether I get to choose which physician to visit. I'm not exactly certain which plan to choose—I'm tempted to go with the HDHP/HSA plan because I pretty much never visit the doctor's office, but people seem to recommend the EPO/PPO plans more. Do you have any suggestions?

submitted by /u/emi-n
[comments]