Getting ready to enroll in an ACA plan. Neither myself nor my husband have employer-provided health insurance.
I'm 24 and he's 30. Both healthy. On average get sick enough to go to the doctor maybe 1-2 times each (usually a bad sinus infection or something, nothing major).
Have an HSA that has roughly 6500 in it, and also plan on maxing it out next year (an additional 6550).
I'm trying to decide between these two bronze plans, difference of about 20 bucks a month:
Plan 1: $265/month, $8K deductible, 50% coinsurance after deductible, $12.7K out of pocket max.
Plan 2: $284/month, $10.6K deductible, no charge after deductible so $10.6K out of pocket max.
My limited understanding of insurance is that worst case scenario, we are better off with plan 2 because it's a lower out of pocket max.
So...should we pay $20/month more for the reason that in a statistically unlikely event of a major accident/hospitalization that we would pay about $2K less? Am I missing anything in my understanding of how this works?