I just accepted a new job that provides insurance. Until now, I’ve been on my spouse’s plan.

My new employer as 4 options, with one being covered completely by the employer. It has a deductible of $5K, is for in-state only, and has the option to contribute to an HSA.

My spouse has open enrollment before I officially start and also has cancer. We were looking at doing the insurance plan with the lowest deductible ($500/$1000), which means I can’t contribute to the HSA, but could be used nationwide.

While I’m not the healthiest, I visit the doctor twice per year for prediabetes and high blood pressure (which were under control until the cancer diagnosis/previous job issues), an allergy specialist once/year, and the other occasional specialist.

I’m trying to figure out the best option for us. I’m leaning towards the free option through my new employer and remaining on my husband’s, but am not sure I’m interpreting how the secondary would cover me when needed.

Thanks!