<prompt> Human: Hello,Apologies in advance for the tsunami of text - I am a first time personal finance poster be gentle!.My wife and I have a third baby due in June. I am working a relatively new job, with better insurance than my old job. But, having had babies before, we know that the delivery is costly.For the details of the plans I am considering, I thought that rather than miss anything, Id take screen caps of the plans I am considering and post those. They are here: I am currently enrolled in the 2,500 HDHP, with an employer match of 1,000. The difference in premiums between the highest deductible HDHP, and the regular PPO, I make up in excess contributions to my HSA. So, it winds up costing me the same amount each month, but I accrue HSA wealth that earns interest and rolls over each year. I also simultaneously lower my tax liability. I also get the full employer match.The issue is the birth. Last baby we had, I was on a slightly less-generous HDHP with my former employer. The birth expenses totaled 29.6k, for which I was responsible for 3,192.I currently have around 1k in my HSA saved up, and could adjust my contribution rate to accumulate more if needed. I could also go on a lowno-interest payment plan with the hospital rather than charge it to a credit card.WHEW! After all that is said and done, are any of you able to help me decide what plan to get? Is there anything else to consider?  <response>: A birth means you are easily going to hit the out of pocket maximum for any plan. So I would look at the total cost: monthly premium for 12 months out of pocket max. 