Originally Posted by RockyBoy

If you are planning on having more kids then go with the lowest deductible non HSA plan available. You know you will have expenses and it is very likely you could have huge bills during child birth (doesn't take much these days to get ran into a C section or spend a couple days in the NICU).

Once the all the minions are here then go with a high deductible HSA. We have 4 kids and my wife hauls them to the Doctor all the dang time. She never tries to limit our healthcare expenses. So far the last 4 years we would have been better off with the Silver HSA. I'm switching there this year and am just going to throw my PS check and the difference in premiums into my HSA account. Should be cheaper unless we have a disaster.