Can someone help me figure out on who's health plan it would be more financially beneficial to put our upcoming baby? I'm just confused and my brain is on maximum overload with everything at this point. Any direction would be so appreciated.
My husband's health insurance is the Highmark CDHP on the left. Mine is the Cigna Essential Option on the far right.
His deductible is lower, but his out-of-pocket max is way higher. He also typically has to pay 20% co-insurance, whereas I do not.
Otherwise our premiums would be fairly comparable.
Additionally, we haven't combined health plans because I'd have to pay $100 per month to add my husband to mine. I'm actually not sure why I chose to not join my husband's plan during open enrollment. If we keep our plans separate and put the baby on one, would one person's HSA be able to contribute the family max of $8300, while the other person can still hit the individual max at $4150? Whereas if we combine plans, we'd only be able to hit a single family max of $8300 total? That seems like a win for keeping separate plans. But, then again, if keeping separate plans, one of us would still have to pay the full family deductible PLUS the other person also paying for their plan's individual deductible.
I'm lost, my brain is fried. Can anyone please help me make sense of all of this?
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