Need advice for USA Health Insurance. Expecting a child next year.

Plan A

– Monthly Premium: $220

– Deductible: $4,600 individual / $9,200 Family

– Out of Pocket Max: $4,600 individual / $9,200 Family

*No charge once deductible/max hits.

Plan B

– Monthly Premium: $360

– Deductible: $0 individual / $0 Family

– Out of Pocket Max: $5,500 individual / $11,000 Family

*$5 copay per office visit

*30% coinsurance for childbirth/delivery facility services

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We are both self-employed and looking for insurance through Kansas marketplace. My husband thinks Plan A is better than Plan B because we are most likely to hit out-of-pocket max on either Plan A or B. So it's better to choose on lower premium and out-of-pocket max . I am not 100% comfortable with Plan A because we have to pay everything out of pocket until maximum hits without copay or coinsurance.

I heard that once a child is born, the bill at the delivery hospital will be charged separately to the mom and baby. It is our first child. I would appreciate any advice here.

submitted by /u/Grand_Nothing_1815
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