I got laid off in June & currently have health insurance through an unsubsidized healthcare.gov plan. My plan is no longer being offered in 2018. My wife is 7 months pregnant and I do not want to have to switch her doctor for the childbirth this close to the due date. The least expensive healthcare.gov plan that includes my wife's ob/gyn is essentially the same price per month as a plan plan through my new employer. My employer's plan is not HSA eligible. Would it ever make sense to pay more (based on deductible/max out of pocket) for an HSA eligible plan in order to have access to an HSA account? I do not believe I will qualify for any subsidies in 2018 due to income.
I'm not really all that experienced with comparing health care options and my employers open enrollment is closing soon. I attached overviews of each plan for further info.
Any & all thoughts & opinions are appreciated.