Pick your poison brother, it sucks out there.

I cover my wife and I, I’m paying $560 a month for a PPO and my employer picks up 75% of the $2500 deductible. This is all about to increase, as we’re expecting our first kid next month. Now the monthly cost here is expensive, but I have piece of mind knowing that my growing family can see anyone at anytime for anything (pretty much) without a referral.

Prior to this PPO, my old employer only had HSA options. Those absolutely infuriate me and they feel designed to de-incentivize people to visit the doctor, because the cost of care is on you. Sure, the contributions are small for the “privilege” of having coverage, but you pay for it in your HSA fund contributions. Now listen I get all the tax benefits that accompanies that fund- however I think psychologically (at least for me), I’m less likely to use my own money on my care. I’d put something off because now I need to use my own funds to see that doctor, versus having it covered already via a PPO or HMO.

The insurance system is broken as fuck in general. And while I have a ton of complaints about the state of it, I sure as hell don’t have the expertise to know how to fix it.