Planning Pregnancy: Which Medical Plan is Best for C-Section (HDHP vs. PPO)? We are planning a pregnancy and trying to decide which medical plan would be the most cost-effective. We are on currently on the lowest premium HDHP Silver plan ($155.49 per paycheck, $4,042.74 annually) with no claims in the past 2 years. I have ~$10,000 saved in my HSA from those 2 years (employer doesn’t contribute). My first child was born v…