Originally Posted by iLikeMoose

Would like some advice from the folks who are more experienced with this insurance stuff than I am. My situation is that I am married with no kids yet. We are young, and I am pretty healthy, but my wife has some recurring health issues. Nothing too crazy, but enough that she is at the doctor a lot. We also might be thinking about kids sometime next year.

Looking at the Gold vs. Silver HSA, I am struggling to find a reason to not pick silver. If I were doing family then sure, the OOPM is way higher on silver. But for just the two of us, they have the same individual deductible, with silver having a slightly higher deductible for the two of us. It is well within the realm of possibility that my wife hits the deductible or even the OOPM, but if I took the premiums difference between gold and silver and put that towards maxing out the HSA, then it seems like I am coming out pretty far ahead. Even if I have significant health stuff pop up too, I am not coming out ahead with the gold instead of the silver, because of the higher premiums. Am I missing something? Is there some difference in level of care or what doctors are covered between the two?

I have looked at the DPMP too, but am struggling to make the math work with the higher premiums and no HSA. I wish I could find a document comparing all the plan details side by side, but I haven't been able to find one yet or maybe it isn't released yet. I am just piecing this all together from different places on open enrollment HQ.

Edit: I did find a min/max cost comparison, and both the minimum and the maximum shows lower for Silver HSA than Gold/DPMP-HD or DPMP