Stay w my EPO, or go to HSA/PPO?

Hi y’all. I’m 30F, no dependents/unmarried. No persistent health issues. Usually go to the dr about 2x a year total.

Last year, I picked an EPO bc I really liked that I had a $0 deductible $0 coinsurance. This made it easy for when I decided to go to the dr to not have any surprise bills come in the mail. (I picked it because I wanted to have my blood tested for health check up, go to the dermatologist, and maybe acupuncture) I only knocked out the blood test by the way, still pending getting to a dermatologist and acupuncture.

This year, I’m getting orthodontic treatment (Invisalign, maybe clear braces to start) and it will be $3900 total.

I’m stuck and don’t know if I should stay with my EPO or move to a HYSA?

EPO35: $97 per month $0 ded $4k oop max $35 primary care 0% coinsurance

HSA2500: $1 per month $2500 ded $3425 oop max $0 + 0% primary care (after ded) 0% coinsurance

PPO1000: $96 per month $1000 $5000 $20 20%

submitted by /u/Electronic-Mud-7540
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