Should I Enroll in my Plan?

To start – myself and kids are covered under my wife’s plan — all at zero cost to us (I know, we lucked out). It’s a general Cigna open access plus plan with $2,500 deductible.

I am also able to enroll in a couple different plans with my company. I’ve determined that, if I do, it would be for just myself and kids, as adding spouse would take the cost a lot higher. We are generally healthy and in our 30s (kids <5), but figuring I could take advantage of being double covered.

Think it’s worth enrolling in my company’s? Here are the options —

HSA coverage with $3,000 deductible (6k with kids) – employer gives $600 yearly to HSA straight up, no match needed. General coinsurance and doesn’t seem very generous with the %’s. Cost: Just me – $100/mo. With kids: $200/mo

PPO plan (FWIW I typically prefer bc of copays/knowing what you’re getting into) FSA employer matches $100. Good copays for primary, specialist, etc. Cost: Just me – $200/mo. With kids – $300/mo.

What does everyone think?

submitted by /u/BrightConsequence
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