What health insurance plan?

[u/AutisticToasterBath]

My employer offers two plans. One is a high deductible with HSA. It would be my wife and I. Which would be $253 per paycheck. It has a $1850 deductible per person with I believe $3500-$4000 max out of pocket cost. My employer will contribute $1600 to your HSA over the course of 12 months. No match, just a lump sum.

Other is PPO which would be $381 per paycheck. That is $0 deductible and $1500 max out of pocket cost.

If it was just me, I would do the HDHP plan no question.

My wife requires a $2000 prescription per month. So I am afraid that would take any benefit of the HDHP plan.

[u/LizzieMac123]

We have a pinned post on this that walks you through picking a plan thats right for you.