I’m trying to decide if I should go with my husbands or my health insurance plan. After doing a matrix, I know the main thing really is the contracted rates which is really hard to find out. How do

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Contracted rates don’t matter much assuming you both have decent PPO insurance. I’d pick which has a lower sum(premiums, deductible) of you’re exceedingly healthy or sum(premiums, out of pocket max) of you’re only moderately healthy and tend to use healthcare. Usually, spouse premiums and deductibles are quite a bit more than individual. You might actually be better off each using your own. Other factors to consider: availability of HSA (arguably the best retirement vehicle), whether employer contributes to HSA/FSA, whether your preferred docs are in network

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Unless you have unusual or special medical needs, each of you insuring only through your own plan is pretty much always the way to go. Your employers will heavily subsidize the employee rates, far less subsidization for the family members.

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I thank God every day I don’t have to deal with American healthcare BS. Socialism forever.

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Does everyone else normally determine the plan to go with if they have the option from both spouses

Thank you so much !

It is also worth checking to see if your current doctors are covered by each of the insurance plans. Be careful though. Some doctors will accept one plan but not another from the same insurer.

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