<prompt> Human: Long time reader, first time caller.I had my first daughter in September and open enrollment at my office has begun for 2014 health plans and Im not sure which direction to go. This year I went with our PPO option based on some advice since the baby wasnt coming until the end of the year but Im unsure of which direction to go moving forward. Here are the details:PPOAnnual Deductible 1,500, Out of Pocket Max 6,000No referrals, FSA with 20 PCP, 20 Specialist, Deductible then 20 until out of pocket maxHDHP Annual Deductible 4,000, Out of Pocket Max 6,000, HSA with Deductible then 100 with HSA Limit of 6,550My wife and I have no pre-existing conditions and the baby is healthy as a clam, so what do you guys think we should do?  <response>: HDHP plans really shine if you almost never get sick, or if you get sick all the time. Theres a place out in the middle where the PPO is going to be the best deal... typically, most people with young kids are out in the middle. Your healthy baby probably wont have major health problems, but the normal kid colds, stuffy noses, etc, will run you up to the deductible pretty quick. You really want to take advantage of coinsurance if youre gonna be spending more than 1500year, but less than 4000, on irregular doctor visits.If it were me, Id probably go with the PPO the first year, keep track of doctor visits and expenses, and re-evaluate next year. 