Help Navigating New Job Insurance Options

[bekiand]

Could use some assistance choosing between my new health plans vs. staying on my husbands. Really lost on what's the best option for us. I like the idea of lowering our monthly premium(s), but hate that we'd be working towards two separate deductibles. Currently we are all on his high-deductible plan.

Key Players:

Him - Healthy 38 y.o.

Me - Healthy 35 y.o - $300 a month prescription that we pay out of pocket for.

Daughter - Healthy 3.5 y/o.

(Edit - might help if I added relevant info!)

Since I can't post an image, here's a table of our options:

https://drive.google.com/file/d/19abAFYHwmPP1-k0sSrtv_A2ohbd5RQ-c/view?usp=share_link

 

[susanwood]

@bekiand What network is your current plan? Choice network is the biggest network for UHC and Core is a little smaller but still decent size. Looks like the choice plan is an Hsa? Can’t really tell but from your notes it says they would put 1000$ in your account to start. The core plan is a better plan but smaller network. Your premium is also less so I think I would switch to one of those two instead of your husbands.

 

[bekiand]

@susanwood Thank you for your feedback! I think I am going to switch to Core.

 

[bekiand]

And to answer your first question, my current plan (via my husbands employer) is Aetna. My new job's provider is Cigna.

 

[meliorakos]

@bekiand I would pick wife choice