I am 25, healthy, married. My job provides these two (not that great) options. Wife has great insurance but the cost for me to join is quite a bit. Finally making the move towards trying to learn and be smarter about my money, but I’m a bit lost.

Option 1 PPO: $180.94 biweekly

Deductible: $2500

Coinsurance: I pay 30%, they pay 70%

Max out of pocket: $5000

Preventative care: $0

Office / Specialist visits: $35 copay / $50 copay

Teladoc: $20 copay

Urgent care: $35 copay

Emergency Room: $250 copay

RX (30 day supply): $10/$35/$50/$100

Option 2 HDHP: $9 biweekly

Deductible: $3400

Coinsurance: I pay 30%, they pay 70%

Max out of pocket: $4000

Preventative care: $0

Office / Specialist visits: 30% after deductible

Urgent care: 30% after deductible

Emergency Room: 30% after deductible

RX (30 day supply): $3/$25/$50

From what Im gathering, it would be better to just do the HDHP and put away the difference between the 2 in an HSA and invest it, I’m just scared of needing coverage and it not being good…