We're nearing open enrollment time for insurance. Previously, it was semi-easy because we were either TTC, dealing with IF treatments or pregnant. For 2016, we have no anticipated expenses - I'm not on prescription BC, not undergoing IF treatments, won't be delivering a baby (and don't anticipate being pregnant), etc. That being said, DH and I have limited planned medical costs. Unplanned is always uncertain, I get that. And now we have DD to include in the mix so I don't know what insurance plan is the best choice for us.

To help:

$350 deductible ($700/family)
$2,000 individual/$4,000 family OOP max
Copays = $15/30
Tests, etc. = 20% coinsurance after deductible
Premium = $9,100.92/year for all 3 of us (DH, myself and DD)

$800 deductible ($1,600/family)
$2,400 individual/$4,800 family OOP max
Copays, tests, etc. = all 20% coinsurance after deductible
Premium = $6,873.12/year ($2,227.80 less than above)

$1,500 deductible ($3,000/family)
$3,000 individual/$6,000 family OOP max
Copays, tests, etc. = all 20% coinsurance after deductible
Premium = $4,170.36/year ($2,702.76 less than above)

So basically the $800 and $1,500 deductible plans are the same aside from costs (so coinsurance and everything is the same). I don't feel like we need the $350 plan this year given our expected costs. But I don't know whether the $800 or $1,500 plan is better. Does it make a difference with a child now? Are there costs I'm not anticipating with her? She's 4 months now.