need help to evaluate which high deductible health plan

[kenmoremmm]

my former company was bought out/merged. now, we have new insurance choices to pick from.

i almost never need medical services. annual physical and that's about it. maybe 1-2 other appts (PT, massage, something else) on average/yr.

we have two high deductible health plans that will allow me to contribute to HSA.
option 1: $1500 deductible, $118/mo ($1416/yr)
option 2: $4000 deductible, $70/mo ($840/yr)

thus, annual savings in selecting option 2 = $576, but with a $2500 possible increase in meeting the deductible (unlikely based on 20 years of adult history). i'm leaning towards option 2. am i missing something?

[yachi]

That seems reasonable.  Look over each policy to see what they pay after the deductible is met, as some require you pay coinsurance.

Make sure you max out the HSA, as it has great tax benefits.