I am 28 years old and single. I just got a new job earning 49k 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: $1,800 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: $2,700 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: $3,600 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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