20s M, healthy, Zip 19103, 70k salary, started new job. My new employer has cafeteria options, but they all seem really expensive to me. I've seen other options for HDHP and they can be half if not less the cost. I'm not sure if I am missing something here as to why these plans seem much more expensive. My previous employer only had 2 plans and paid premiums either way, so I never gave it much thought. Would it be worthwhile to look for outside coverage? For context as well, I am getting married in a year and the premiums more than double for each of these to add a spouse on to the plan, so ongoing costs are a concern. More long term planning for pregnancy and none of these really seem to have excellent coverage for delivery. Lowest minimum cost is around 3k out of pocket.
Medical Coverage Options - Per Month Premium
UnitedHealthcare Choice Plus 1000 - $581.45
Deductible - $1,000
out of pocket maximum - $4,500
co-insurance rates - 20%
co-payments - variable, e.g $250 for emergency room, 20% hospitalization
UnitedHealthcare Choice Plus 1500 - $532.69
Deductible - $1,500
out of pocket maximum - $6,350
co-insurance rates - 20%
co-payments - variable, e.g $250 for emergency room, 20% hospitalization
UnitedHealthcare Choice Plus HDHP 320 - $470.89
Deductible - $3,200
out of pocket maximum - $6,650
co-insurance rates - 10%
co-payments - 10%
UnitedHealthcare Choice Plus HDHP 1600 - $560.16
Deductible - $1,600
out of pocket maximum - $4,000
co-insurance rates - 10%
co-payments - 10%
UnitedHealthcare Choice Plus 500 (80) -$591.06
Deductible - $500
out of pocket maximum - $5,000
co-insurance rates - 20%
co-payments - variable, e.g $250 for emergency room, 20% hospitalization
UnitedHealthcare Choice Plus 2500 -$496.98
Deductible - $2,500
out of pocket maximum - $6,850
co-insurance rates - 30%
co-payments - variable, e.g $250 for emergency room, 30% hospitalization
UnitedHealthcare Choice Plus HDHP 5000 - $419.39
Deductible - $5,000
out of pocket maximum - $6,650
co-insurance rates - 20%
co-payments - 20%
UnitedHealthcare Choice Plus 6000 - $461.96
Deductible - $6,000
out of pocket maximum - $7,000
co-insurance rates - 0%
co-payments - variable, e.g $500 for emergency room, 0% hospitalization
UnitedHealthcare Primary Advantage 2000 - $468.83
Deductible - $2,000
out of pocket maximum - $6,500
co-insurance rates - 20%
co-payments - variable, e.g $250 for emergency room+20%, 20% hospitalization
UnitedHealthcare Primary Advantage 5000 - $423.51
Deductible - $5,000
out of pocket maximum - $6,500
co-insurance rates - 20%
co-payments - variable, e.g $250 for emergency room+20%, 20% hospitalization
edit- added more info
Medical Coverage Options - Per Month Premium
UnitedHealthcare Choice Plus 1000 - $581.45
Deductible - $1,000
out of pocket maximum - $4,500
co-insurance rates - 20%
co-payments - variable, e.g $250 for emergency room, 20% hospitalization
UnitedHealthcare Choice Plus 1500 - $532.69
Deductible - $1,500
out of pocket maximum - $6,350
co-insurance rates - 20%
co-payments - variable, e.g $250 for emergency room, 20% hospitalization
UnitedHealthcare Choice Plus HDHP 320 - $470.89
Deductible - $3,200
out of pocket maximum - $6,650
co-insurance rates - 10%
co-payments - 10%
UnitedHealthcare Choice Plus HDHP 1600 - $560.16
Deductible - $1,600
out of pocket maximum - $4,000
co-insurance rates - 10%
co-payments - 10%
UnitedHealthcare Choice Plus 500 (80) -$591.06
Deductible - $500
out of pocket maximum - $5,000
co-insurance rates - 20%
co-payments - variable, e.g $250 for emergency room, 20% hospitalization
UnitedHealthcare Choice Plus 2500 -$496.98
Deductible - $2,500
out of pocket maximum - $6,850
co-insurance rates - 30%
co-payments - variable, e.g $250 for emergency room, 30% hospitalization
UnitedHealthcare Choice Plus HDHP 5000 - $419.39
Deductible - $5,000
out of pocket maximum - $6,650
co-insurance rates - 20%
co-payments - 20%
UnitedHealthcare Choice Plus 6000 - $461.96
Deductible - $6,000
out of pocket maximum - $7,000
co-insurance rates - 0%
co-payments - variable, e.g $500 for emergency room, 0% hospitalization
UnitedHealthcare Primary Advantage 2000 - $468.83
Deductible - $2,000
out of pocket maximum - $6,500
co-insurance rates - 20%
co-payments - variable, e.g $250 for emergency room+20%, 20% hospitalization
UnitedHealthcare Primary Advantage 5000 - $423.51
Deductible - $5,000
out of pocket maximum - $6,500
co-insurance rates - 20%
co-payments - variable, e.g $250 for emergency room+20%, 20% hospitalization
edit- added more info