What insurance should I get?

Hi! I currently work for a university and my open enrollment ends tomorrow. I'm 26F and had a surgery on 4/1/24 for my back. I dont foresee any future surgeries. Overall , pretty healthy and see my PCP a couple times a year.

Currently; I have this.

Independence Blue Cross HMO Keystone – $116 per month

Deductible: $200

OOP Max: $1300

Office Visit: $25 PCP, $45 Specialist, $0 Preventative services

In-Patient Hospital: 10% after deductible with referral; no limit if medically necessary

Outpatient: 10% after deductible

Emergency Room: $150 copay (waived if admitted)

Urgent Care: $50.00

My options are the one above and these below:

|| || |Independence Blue Cross PPO Personal Choice| |I pay $246 a month||| |Deductible|Out-of-Pocket Annual Maximum|Office Visits|Hospital| |Individual Only:|Individual Only:|Basic Services:|Inpatient:| |$250 (University Providers), $450 (Personal Choice Providers) $600 (Non-Preferred Providers)|$1,100 (University Providers), $2,600 (Personal Choice Providers), $3,600 (Non-Preferred Providers)|Primary Care $20 (University Providers, $25 (Personal Choice Providers) 40% after deductible (Non- Preferred Providers)|10% after deductible (University Providers), 20% after deductible (Personal Choice) 40% after deductible; limited to 70 days (Non-Preferred)| |||Specialist:|Emergency Room:| |||$40 (University Providers), $50 (Personal Choice Providers),40% after deductible (Non- Preferred Providers)|$100 copay (waived if admitted)| |||Preventative Services:|Urgent Care:| |||$0 for routine physicals, annual GYN exam, (University Providers and Personal Choice Providers), 40% after deductible (Non- Preferred Providers)|$50 copay (Personal Choice) 40% after deductible (Non-Preferred)| ||||Outpatient:| ||||10% after deductible (University Provider), 20% after deductible (Personal Choice) 40% after deductible; limited to 70 days (Non-Preferred)|

|| || |Aetna HDHP with HSA| |$101 a month|||| |HSA Qualified||||| |Deductible|Out-of-Pocket Annual Maximum|HSA Employer Contribution|Office Visits|Hospital| |Individual (Network):|Individual (Network):|Individual Only:|Basic Services:|Inpatient:| |$1,600.00 |$3,200.00 |$1,000.00 |10% after deductible|10% after deductible| ||||Specialist:|Outpatient:| ||||10% after deductible|10% after deductible| ||||Preventative Services:|Emergency Room:| ||||$0.00 |10% after deductible| |||||Urgent Care:| |||||10% after deductible|

submitted by /u/b_from_the_block
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