Which Health Insurance plan is best for me?

I'm 29 and only go to the doctor if I'm seriously ill, with no regular prescriptions. I snowboard and surf, and typically choose the Anthem medium plan with an HSA for emergencies. I figure I get $1,200 of the $1,340 I spend annually back on my HSA card, which I can use for medical expenses indefinitely.

Anthem EPO: 750$ Deductible (Costs 1,940$ a year.)

Out-of-Pocket max 4,500$

No HSA

Preventative Visit covered in full

Co-insurance 20% after deductible

Office visit 30$ copay

Emergency Room 300$ copay then 20% after deductible

Urgent care 30$ copay

X-ray/Labs 20% after deductible

Anthem Medium Deductible: 3,200$ Deductible (Costs 1,340$ a year.)

Out-of-Pocket max 6,000$

Yes, HSA 1,200$ a year.

Preventative visit covered in full.

Co-insurance 30% after deductible.

Office visit 30% after deductible.

Emergency Room, Urgent Care, X-Ray and Labs 30% after deductible.

Anthem High Deductible: 6,550$ Deductible (Costs 0$ a year.)

Out-of-Pocket max 6,550$

No HSA

Preventative visits covered in full

Co-insurance and Office visits covered in full after deductible

Emergency Room, Urgent Care, X-Ray and Labs covered in full after deductible.

Kaiser High Deductible HMO: 6,000$ Deductible (Costs 1,440$ a year.)

Out-of-Pocket max 6,000$

Yes, HSA 1,200$ a year.

Preventative visits covered in full

Coinsurance and Office visits 30% after deductible.

Emergency Room. Urgent Care, X-Ray and Labs 30% after deductible.

submitted by /u/skyzsurreal
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