Which plan would you choose?

Have two options for health insurance coverage and unsure which way to go. Any advice appreciated.

Background: married, mid-30s, pretty healthy with no chronic issues that need active management or medications, no kids and not planning on having any, live in Midwest

Option 1: spouses coverage who works from home with an out of state employer. HDHP that offers HSA and contributes $1200 employer money to the family max $8300. All our current providers are covered by this plan.

Option 2: my employer plan which is local. No deductible and has their own health care system but accepts other insurance (think similar to Kaiser but more flexible). Offer a $2K HRA if using providers not in health system of organization. Similar out of pocket max to HDHP.

2 things are I'm worried we're missing out on free money with the employer HSA contributions but also if we have a major expense with the HDHP we'll be screwed. Thoughts?

submitted by /u/Candid_Lie9249
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I was recently enrolled in my union’s PPO health plan in California and have no idea what anything means. I know nothing about scheduling doctor’s visits, regular checkups, referrals, etc. I was on a medi-cal health plan all my life and haven’t seen a doctor in about a decade. Where to start?

Provider failed to get prior authorization

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I was recently enrolled in my union’s PPO health plan in California and have no idea what anything means. I know nothing about scheduling doctor’s visits, regular checkups, referrals, etc. I was on a medi-cal health plan all my life and haven’t seen a doctor in about a decade. Where to start?

Provider failed to get prior authorization

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