New job, health insurance help? What should I choose?

Hello, I am an Italian national and I never had to deal with health insurance before! I just got a job in the US and they offer 4 different plans with Aetna, but I am not sure which one to choose! As a disclosure, I have been in the US for about 3 years, and the only time I went to the doctor was to get the checkup required for the green card!

The for plans available are as follows: Plan A: $3,000 deductible, 0 coinsurance, $200 premium, $980 premium if I add my wife Plan B: $6,350 deductible, 0 coinsurance, $54 premium, $692 premium if I add my wife Plan C: $1,000 deductible, 20% coinsurance, $233 premium, $1,049 premium if I add my wife Plan D: $500 deductible, 20% coinsurance, $498 premium, $1,669 premium if I add my wife

For the first year I will not add my wife, but starting 2023 she will probably need insurance so we’ll have to look for her as well. She goes to the doctor way more often than me!

Now, I will exclude plan D because it’s way too expensive for me. I was considering either plan B or plan C. Plan B is very cheap, and I would probably contribute to the hsa just in case. However, those $6k kind of worry me. Although I am pretty healthy, if I end up in the hospital for any reason that would be a hard one! Plan C seems the most balanced plan, however $230 is kind of expensive!

I also read about the e possibility of getting a supplemental plan to cover the out of pocket expenses. Do you think this would be a viable option, or would it end up being more expensive?

Thank you for your help

submitted by /u/Pasq_95
[link] [comments]Hello, I am an Italian national and I never had to deal with health insurance before! I just got a job in the US and they offer 4 different plans with Aetna, but I am not sure which one to choose! As a disclosure, I have been in the US for about 3 years, and the only time I went to the doctor was to get the checkup required for the green card! The for plans available are as follows: Plan A: $3,000 deductible, 0 coinsurance, $200 premium, $980 premium if I add my wife Plan B: $6,350 deductible, 0 coinsurance, $54 premium, $692 premium if I add my wife Plan C: $1,000 deductible, 20% coinsurance, $233 premium, $1,049 premium if I add my wife Plan D: $500 deductible, 20% coinsurance, $498 premium, $1,669 premium if I add my wife For the first year I will not add my wife, but starting 2023 she will probably need insurance so we’ll have to look for her as well. She goes to the doctor way more often than me! Now, I will exclude plan D because it’s way too expensive for me. I was considering either plan B or plan C. Plan B is very cheap, and I would probably contribute to the hsa just in case. However, those $6k kind of worry me. Although I am pretty healthy, if I end up in the hospital for any reason that would be a hard one! Plan C seems the most balanced plan, however $230 is kind of expensive! I also read about the e possibility of getting a supplemental plan to cover the out of pocket expenses. Do you think this would be a viable option, or would it end up being more expensive? Thank you for your help submitted by /u/Pasq_95 [link] [comments]Read Morer/HealthInsurance

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