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Title should read, I could really use some help :)

I hope this could also help others in similar situations. Insurance is not a one fits all situation but others in similar circumstances might benefits from this discussion.

At work I have two Insurance plan options, HMO and HSA and here is how they breakdown

Plan Premium Employer Contribution Deductible Co-Pay Out of pocket Max Coinsurance Tax Deferral
HSA $0 $2250 $4,000 20%* $6,000 20%* $6,900
HMO $0 $0 $0 $20 $3,000 $0 $0

*20% after $4,000 deductible is met . Also I intend to Maximize the Tax Deferral, our combined income is over 180k

Now the kicker here is that I am planning to have a baby next year. This is where I am not 100% sure what to do. So I ask you guys, with a pregnancy (planned not official) happening next year. What plan do you think makes the best sense for a young couple who is planning on having a kid



Submitted November 09, 2017 at 01:41PM by xper68 http://ift.tt/2ymLtV3

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