New to the US, Stuck Choosing Between 2 Policies

Hi there,

Recent immigrant in CT, I'm stuck choosing between two employer offered policies both with United, for spouse and myself. We intend on having a few kids in the next few years, both mid 20s and healthy other than that.

Slightly above median income, but with some weird tax situations due to immigration status.
E.g we don't pay FICA but also don't get the standard deduction and we can't file jointly despite being married.

HDHP/HSA

$300 a month in premiums.

$5000/10,000 deductibles

$6500/13,000 OOMs

10% after deductible for basically everything, very reasonable copays for prescriptions

HMO

$500 a month in premiums

$3000/6000 deductibles

$6000/12000 OOMs

3 visits to PCP and 2 to urgent care for free annually

0 cost after deductible, very reasonable copays on prescriptions

Neither have ANY out of network coverage at all.

I'm tempted to take the HDHP even though our income isn't extremely high, because I feel like we will spend basically zero on healthcare per year, but then have 3/4 kids over the next 5-10 years.
I'm assuming we will pay essentially nothing and then hit OOM in those years, and the OOM between both policies is basically the same. Open to being corrected though.

submitted by /u/Different_Hat_8810
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