I’m currently on Anthem BCBS PPO. We exceeded our lifetime max for fertility benefits ($25k medical $15k pharma). So we are going to switch providers to Aetna. Trying to decide between the HDHP and the EPO. The premium is quite big for the latter $570+/pay period vs $140 for the HDHP. Deductible is $4,300 pp on HDHP vs $800 on EPO. But I can use HSA with HDHP and Deloitte gives us $1k of funds in that. Thoughts?

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Hdhp is way cheaper than epo and you are bound to run into something out of network in which case zero is covered on epo

Whats the oop max on both

OOP max for HDHP is $5,300/$10,600 and EPO is $5,000/$10,000

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