31M trying to choose between employer health insurance plans through a marketplace. Never done the marketplace before and always just picked what my employer offers Looking for advice from people familiar with these insurers.
I’m healthy overall, no chronic conditions, mostly looking for catastrophic coverage + preventive care. I plan to fully max and invest into my HSA every year, so I’m going with an HSA. In addition, my employer will cover most of these plans premiums. I might be moving out of NY and into either PA, NJ, or DE in the next year, so I hope these providers are in these different states.
I know all health insurance companies suck but wondering if anyone has had any good experience with any of these companies. I had Anthem in the past, but I had to argue with them for a year to pay for preventative care. I think im leaning on Anthem just because its what I know and I know they are established nationally. All plans basically have the same coverage.
Main options are:
- Oscar EPO HSA — $0 premium, $4,125 deductible, $10,150 OOP.
- Healthfirst HMO HSA - $0 premium, $4,125 deductible, $10,150 OOP
- Anthem HMO HSA — $0 premium, $4,125 deductible, $10,150 OOP
- UHC HMO HSA — $151/month, $5,500 deductible, $8,050 OOP
- Ambetter/Fidelis HMO HSA — $0 premium, $5,500 deductible, $8,050 OOP