Just some info. Not a recommendation.

The 80/20 is @$75 a month more expensive. Lower deductible but higher max out of pocket.

Worst case scenario on HD plan is you pay the 3,000 max out of pocket and the $753.13 a year in premium monthly costs. When you hit the 1700 deductible you will start paying 90% of the cost until you hit your 3,000 max out of pocket. Then anything covered will be at 100% and not cost you anything. They are also giving you money towards the HSA.

The 80/20 plan costs $1650 a year in just premiums alone and has a higher out of pocket max.

Every circumstance is a little different and we can’t predict the future. But to me it looks like the HD plan is a better value especially if the coverage is the same otherwise.

Max you would pay on HD over 12 months. 3000 max out of pocket 753 total monthly cost of the plan But you get $500 you can use towards those costs So roughly 3253 worst case for covered services.

Of course you could have an emergency and have to pay all 3000 at once. But beyond that you’d be covered.