What health insurance option is best?
I am 28 years old and single. I just got a new job and have this options I know nothing about health insurances so any advice would be greatly appreciated:
Health Option 1: Health Choice HRA Option 1
Deductible: $800 (network and non-network) Out-of-Pocket Limit: Under $49,999 income: $1,800 $50,000 – $99,999 income: $2,550 Over $100,000 income: $3,300 Preventive Care: Covered before meeting the deductible Coinsurance: In-network: 20% Out-of-network: 40% Prescription Drugs: Generic: $12 copay Preferred brand: 30% coinsurance Specialty: $30 copay Monthly Premium: $35.71
Health Option 2: Health Choice HRA Option 2
Deductible: $1,200 (network and non-network) Out-of-Pocket Limit: Under $49,999 income: $2,700 $50,000 – $99,999 income: $3,450 Over $100,000 income: $4,200 Preventive Care: Covered before meeting the deductible Coinsurance: In-network: 20% Out-of-network: 40% Prescription Drugs: Generic: $12 copay Preferred brand: 30% coinsurance Specialty: $30 copay Monthly Premium: $23.39
Health Option 3: Health Choice HSA Option 3
Deductible: $1,600 (network and non-network) Out-of-Pocket Limit: Under $49,999 income: $3,600 $50,000 – $99,999 income: $4,350 Over $100,000 income: $5,100 Preventive Care: Covered before meeting the deductible Coinsurance: In-network: 20% Out-of-network: 40% Prescription Drugs: Generic: $12 copay Preferred brand: 30% coinsurance Specialty: $30 copay Monthly Premium: Included (no additional cost)
4oHealth Option 1: Health Choice HRA Option 1
Deductible: $800 (network and non-network) Out-of-Pocket Limit: Under $49,999 income: $1,800 $50,000 – $99,999 income: $2,550 Over $100,000 income: $3,300 Preventive Care: Covered before meeting the deductible Coinsurance: In-network: 20% Out-of-network: 40% Prescription Drugs: Generic: $12 copay Preferred brand: 30% coinsurance Specialty: $30 copay Monthly Premium: $35.71
Health Option 2: Health Choice HRA Option 2
Deductible: $1,200 (network and non-network) Out-of-Pocket Limit: Under $49,999 income: $2,700 $50,000 – $99,999 income: $3,450 Over $100,000 income: $4,200 Preventive Care: Covered before meeting the deductible Coinsurance: In-network: 20% Out-of-network: 40% Prescription Drugs: Generic: $12 copay Preferred brand: 30% coinsurance Specialty: $30 copay Monthly Premium: $23.39
Health Option 3: Health Choice HSA Option 3
Deductible: $1,600 (network and non-network) Out-of-Pocket Limit: Under $49,999 income: $3,600 $50,000 – $99,999 income: $4,350 Over $100,000 income: $5,100 Preventive Care: Covered before meeting the deductible Coinsurance: In-network: 20% Out-of-network: 40% Prescription Drugs: Generic: $12 copay Preferred brand: 30% coinsurance Specialty: $30 copay Monthly Premium: Included (no additional cost) submitted by /u/Fabulous-Vanilla-909
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