Option A or Option B…which Health Insurance option should I choose?

Hey everyone, my company’s open enrollment has begun and our insurance has changed slightly, just wanted to see which Health Insurance option I should choose.

Info about me: I’m 35 and my wife (31) is also on my insurance. We’re both “healthy” but I do have an Adderall prescription.

Option A: $90 biweekly, so $180 a month to have this coverage.

$750 deductible for me and $750 for my wife, our deductibles are separate. No HSA account offered, but they give me a $500 card towards a yearly gym membership, which basically covers our combined yearly membership at the YMCA. Once my deductible is hit, it’s a 90/10 split for coverage until our Out-of Pocket maximum is hit ($2,500 each/separately).

Copay is $20 for PCP, $35 for specialist. Perceptions are like $10-20

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Option B: $65 biweekly, so $130 a month to have this coverage.

$3,200 deductible for me and my wife combined, but my company gives me $2,000 HSA account (anything left over carries over to the following year), so deductible is really like $1,200 (3200-2000 = 1200). Once deductible is hit, it’s a 90/10 split for coverage until our Out-of Pocket maximum is hit ($6,850 combined)

We have to pay for the whole doctor appointment until deductible is hit, so could be like $150 per appointment. Prescriptions will be around $30-50 until deductible is hit.

My take: I feel like if we are healthy, option B is better, but if we need surgery or anything costly happens, option A is better. This year I did have to get an MRI which made me hit my $750 deductible instantly. I also had to go to the ER ($150) and do physical therapy for a couple of months. We have two months to go before 2024 but I still have like $800 to go before I hit my $2500 Out-of-Pocket Maximum.

What would you choose? Thanks for any input!