Which HDHP plan should I get for the remainder of this year? Accuracy of my calculations? 1500 deductible vs. 3250 deductible with lower premium. Possibly high Out of Network costs.

I am trying to select between two HDHP plans that will last until the end of this year. There will be 11 paychecks the remaining 5 months.

About my situation:

For taxes, I make 100k/year (24% bracket) and have no state tax. I think my FICA Tax Rate is standard, 7.65%? I estimate in-network costs = $800-$1200, more likely to be $800 or lower. I estimate unfortunately expensive out-of-network costs = $3000. I might be able to get it down to $1500. Plan 1 means I have to undo some of my HSA contributions, because earlier I contributed the full amount at my previous employer. I don't know the costs of that.

Plan information:

Premium HSA HDHP Basic HSA HDHP Premium (per paycheck, every 2 weeks) 40.15 11.54 In-Network Deductible 1500 3250 In-Network Out-of-Pocket Maximum 5000 6500 In-Network Coinsurance (Amount NOT covered) 20% 20% Employer HSA Contribution (prorated*) 208.33 0 My HSA Contribution 3642.67 3850 Out-of-Network Deductible 1500 3250 Out-of-Network Out-of-Pocket Maximum N/A N/A Out-of-Network Coinsurance (Amount NOT covered) 40% 40% Total Premium (prorated for 11 paychecks) 441.65 126.94 Estimated Costs of $800 In/$3000 Out (see below for calculations) 1984.01 2711.88 Estimated Costs of $800 In/$1500 Out (see below for calculations) 1384.0089 1211.88

(as image: https://i.imgur.com/kfpvw0U.png)

*Note: The "208.33" employer HSA contribution is prorated monthly, based on an employer contribution of $500/year.

My calculations:

In Network Costs Out Of Network Costs Plan 1 – Plan 2 Plan 1 Total Plan 2 Total In Network Total Out of Network Total Employer HSA Contribution Tax Savings from HSA 800 3000 -727.87 1984.01 2711.88 800 2100 208.33 1149.31 1750 3000 -927.87 2734.01 3661.88 1550 2100 0 1215.06 800 1500 172.13 1384.01 1211.88 800 1500 208.33 1149.31 1750 1500 -27.87 2134.01 2161.88 1550 1500 0 1215.06