re: Confused on best medical plan and HSA investing.

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Does the cost of the baby’s birth at all sway the decision for medical coverage?

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In this case, unless there is something you’re not explaining, there is never a scenario where Option 1 or 2 cover costs for cheaper than Option 3.

A $6,000 individual expense costs you over $12,000 in option 1, $9,500 in option 2, and only $6,000 in option 3.

A $12,000 family medical bill costs you over $15,000 in option 1, $13,076 in option 2, and only $12,000 in option 3.

This is assuming 20% coinsurance for all.