re: Confused on best medical plan and HSA investing.

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At first glance, given that your wife is having a baby next year, the $6,000 HSA will almost surely be the best financial choice.

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He'll be paying out of pocket for everything.


I lean toward that plan in general because most people don’t hit their OOP max with any regularity, but that plan could end up being expensive.


ETA: ran the numbers with 20% coinsurance. I actually can’t find a scenario where the middle plan would ever be cheaper than the bottom plan. Same with the PPO - it might be a better network, but it’s never cheaper than the $0 premium plan all in.