trying to compare HDHP vs PPO when we are thinking about trying for a baby soon. currently we have the HDHP but I wasn’t sure if PPO could be more beneficial. The premium is for me and my husband, adding a kid would raise it about $130 for both

HDHP

Premium -$308 monthly

individual deductible -$3,400 family - $6,000

Out of pocket max individual- $6,250 family - $12,300

employer contributes 1,200 annual to HSA, we usually put $200 a month

coinsurance after deductible is 5%

PPO

Premium - $438 monthly

individual deductible - $850 family - $1,700

out of pocket max individual- $5,300 family - $10,600

coinsurance after deductible 20%

any advice is appreciated feel like I keep overthinking it