Need Help Selecting the Plan. Expecting a baby in April. Open enrollment is going on. Adding plan details in body

**Coverage** *2024 HDHP Premium* EE + Spouse : $172 , Family : $300/month **** **In-Network** **Out-of-Network** **Deductible (single/family)** **$1,800 / $3,600** **$3,600 / $7,200** **Out-of-Pocket Maximum (single/family)** **$3,600 / $7,200** **$7,200 1 $14,400** **Coinsurance** ***10%*** ***30%*** **HSA Funding (single/family)** **$1,000 / $2,000** **$1,000 / $2,000** **Generic Drugs** **10% after deductible ($10 min, $20 max)** **Not covered** **Preferred Brand Drugs** **10% after deductible ($30 min, $60 max)** **Not covered** **Non-Preferred Brand Drugs** **10% after deductible ($50 min, $100 max)** **Not covered** **Coverage** **2024 EPO** **Cost** EE + Spouse : $368 , Family : $595/month **** **In-Network** **Deductible (single/family)** **$200 / $400** **Out-of-Pocket Maximum (single/family)** **$2,200 / $4,400** **Coinsurance** *0%* **Primary Care Physician / Specialist** **$20 / $30** **Emergency Room** ***$150*** **Urgent Care** ***$40*** **Inpatient Hospital** ***$150*** **Outpatient Hospital** ***$50*** **Generic Drugs** ***$10*** **Preferred Brand Drugs** ***$30*** **Non-Preferred Brand Drugs** ***$50*** submitted by /u/ForeignManagement354
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