Basic PPO vs Choice PPO vs Custom HMO

Hi everyone, So I'm going to be turning 26 this year and need to be on my own health plan after growing out of my mother's plan. My work offers three different choices for insurance and I'm not sure which would be best for me, I don't typically have any health issues and I have an athletic build I'm in a relationship but would be looking to getting married and having a family within the next 3 years and it would be nice if I am concerned about something to be able to pay the lowest price possible. The options I have are below:

There is Basic PPO with the in network being $1,500 single/$3,000 family, the out of network being $3,000 single/ $6,000 family.

The second option is Choice PPO which in network has a $400 single/$800 family and out of network a $800 single/$1,600 deductible. This plan also has an annual $346 plan buy up for singles and a $893 buy up for families.

The third option is a Custom HMO which has no deductible but I can only use network providers, I don't do a lot of traveling so only having network providers shouldn't be an issue but I'm concerned that if I do need to see a doctor while I'm on vacation the price I'll have to pay may be very high.

submitted by /u/Jakeww21
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