Looking for help deciding on healthcare for 2027. Would be covering myself and my daughter. I work for a large health network with a lot of changes to our insurance plans this year.

HDHP:

HSA employer contribution: $1300

HSA max employee contribution: $9000

Deductible: $4500, out of pocket max: $9,000

Cost per pay: $35.10 bi-weekly, plus whatever I would put into my HSA

PPO:

No deductible (as long as you stay within our hospital network for doctors)

No copays (again, staying within network)

$2,000 out of pocket max

Cost per pay: $105.12 bi weekly

We don’t go to the doctor much besides well visits which are covered. Maybe an express care visit or two during sick season. Once a year mammo will be covered with either insurance.

My daughter does need a palate expander which could be paid for with HSA.

I always worry “what if something happens” and I have the HDHP and I’m hit with these huge bills.…