re: Confused on best medical plan and HSA investing.

quote:

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Looks like the lack of premiums for the $6k plan more than pays for the $3k increase in deductible

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This- take the $226 premiums you would have been charged, and use them to fund the HSA.

The downside is that you'll more than likely NEVER hit your deductible except for a major medical event, but the baby's check ups and shots will all be covered under well visits, and any sick visits run $100 or less.

ETA: This is assuming you and your spouse are healthy people and don't have multiple doctor visits to treat/manage a chronic illness. If this is the case, you might go with a higher tier so you can take advantage of hitting a lower deductible.