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[quote=Anonymous]Hello! Which of these employer-based plans do you think is best? Basically choosing between lower deductible vs lower out of pocket max + “free” office visits. More info -

Family of 4 with 2 young kids, no health issues. DH and I are in our early 40s. We have been on my husband’s plan for a few years and it’s been fine. I went back to work full time and we now have the option of my plan too. Trying to decide during open enrollment.

Both cost about the same - $800/month. This year DH and I met our deductibles but our kids didn’t and we didn’t meet the family deductible. Deductible and Out of Pocket listed is in-network since that’s all we use. The only years we met our out of pocket max were the years I had a baby. But of course you never know when a major health event could happen.

DH’s Plan - Health Partners (we are in MN)
- Deductible $1K single/$3K family 
- Out of Pocket Max $4250 single/$8500 family
- Includes 6 “free” office or urgent care visits per person; after that it’s 25% coinsurance. I’m not sure how much $ the 6 free appointments saved us this year - sorry to be missing that data point.

My Plan - Blue Cross
- Deductible $500/$1K
- Out of Pocket Max $9K/$18K
- 20% coinsurance

Thanks for your thoughts! 
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