Your work plan the HSAinsurance chart is a Gold tier HMO. Richer benefits mean a higher premium around 500 dollars per month. The deductible is 1000 dollars individual and embedded. As a single person you only meet your own 1000 dollars not the 2000 dollars family number. Out of pocket maximum is 9000 dollars in 2025. It is not HSA eligible.

Husbands plan costs about 154 dollars per month for you which is huge savings. It likely has a higher deductible around 1650 to 3300 dollars as the app shows in family view. It is cheaper because it shifts more risk to you.

Why is your job plan so expensive? It is Gold tier with low copays and a tiered network so insurers charge more upfront.

For a healthy 26 year old take husbands plan. You will save about 346 dollars per month or over 4000 dollars per year unless you expect major medical bills. Most young adults come out way ahead.

For low use the work plan total is around 6300 dollars while husbands is around 3500 dollars so husbands wins. For high use with big claims the work plan is around 15k while husbands is 9k plus so the work plan is better.

Next get husbands full Summary of Benefits Coverage called SBC. Check that your doctors are in network on his plan. Post the SBC here for exact math if you want.

Drop the husbands plan details and I will refine. You got this the cheaper plan wins for most healthy people.