I'll start off by saying...Please go easy on me. Would just like to hear thoughts from people who are more knowledgeable on health insurance plans.

So this is a first for me... For this next year, I am only being offered two different HDHP plans and no PPO option or otherwise. Now, I've never completely understood health insurance and what options are technically best - but I feel like this next year my options are both worse than what I currently have.

First off - I do use the Employee + Spouse option as my wife does not get health insurance with her employer. For this current year, I use Surest which is through UHC. I believe this is a PPO.…