HOW in the world do I choose between health insurance plans?

These are my options from UnitedHealthcare:

Health Savings Plan

$600 Employer HSA Contribution

Annual Deductible: $2,900

Out of Pocket Max: $6,000

Primary Office Visit: 70% covered after deductible

Health Fund Value Plan

Annual Deductible: $1,600

Out of Pocket Max: $4,900

Primary Office Visit: 70% covered after deductible

Health Fund Premium Plan

Annual Deductible: $1,100

Out of Pocket Max: $4,000

Primary Office Visit: 80% covered after deductible

If any other info is needed, please let me know!

22f, single no dependents. Income $27k

I need to see a specialist doctor a few times a year. Last year I was in the hospital for about a week because I didn’t have health insurance and ignored symptoms until I had to go to the ER. I think once I finally am able to see a primary doctor and a specialist doctor, I won’t be neglecting my health completely and I won’t have to go back to the hospital, hopefully.

That being said, how do I know which plan is right for me? What can I do to figure out how much care I will actually need?

Thanks for your help.

submitted by /u/squrrelgrrrl
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These are my options from UnitedHealthcare: Health Savings Plan $600 Employer HSA Contribution Annual Deductible: $2,900 Out of Pocket Max: $6,000 Primary Office Visit: 70% covered after deductible Health Fund Value Plan Annual Deductible: $1,600 Out of Pocket Max: $4,900 Primary Office Visit: 70% covered after deductible Health Fund Premium Plan Annual Deductible: $1,100 Out of Pocket Max: $4,000 Primary Office Visit: 80% covered after deductible If any other info is needed, please let me know! 22f, single no dependents. Income $27k I need to see a specialist doctor a few times a year. Last year I was in the hospital for about a week because I didn’t have health insurance and ignored symptoms until I had to go to the ER. I think once I finally am able to see a primary doctor and a specialist doctor, I won’t be neglecting my health completely and I won’t have to go back to the hospital, hopefully. That being said, how do I know which plan is right for me? What can I do to figure out how much care I will actually need? Thanks for your help.
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