Anyone available to help me crunch through some insurance numbers? Looking at insurance for 1 adult and 2 kids. Options: Everyone on 1 plan: Premium: 1428 Deductible: 5500pp/11000fam Max OOP: 9000pp/19000fam Or I can split the adult into 1 plan and the kids into another. In which case: Plan A Premium: 868 Plan A Deductible:5500 per kid Plan A Max OOP: 9500 per kid + Plan B Premium: 327 Plan B Deductible: 10600 Plan B Max OOP 10600

I'm very much not an expert, but to me it sounds like it comes down to how much you expect to need healthcare. With the second option, you're saving 233 a month, but it comes with a risk of muuch higher expenses if you end up hitting the deductible/OOP With the first option, its 11000 before insurance starts to cover, with the second (unless I'm misunderstanding), its 21600. Although one clarifying question is, for the first option, if all the medical costs are incurred by one person, do you need to hit the individual deductible before coverage, or the family one? (I know with some CDHP plans, if you have family coverage you need to hit the family deductible. If that's the case in this plan, than it would depend on if you expect there to be medical expenses mostly incurred by one person)