Hi everyone, I’ve had some life changes recently that have made me reconsider my health insurance options for next year and wanted to see if this community could help me make a decision.

Back in May my wife and I had our first child, but he was born extremely early (23 weeks & 6 days). He is still in the NICU and doing well all things considered. Hopefully coming home in the next 1-2 months. Even with how well he is doing, I do expect he will have significantly more doctor's visits and specialist visits than the average child for at least next few years.

The healthcare plans from my employer are very good and have made this more or less a non-issue financially. However, I am wondering if it might make sense for us to switch out of a Family HDHP/HSA plan in favor of a traditional PPO Plan.…