answer:Congrats! Hope you like the new job. PPO generally gives you better rates/copays for staying in their network of preferred providers (doctors with whom the health insurance company has negotiated favorable rates). POS means you can go to anyone anytime you like. Do you plan on staying with your current doc(s)? Do you care if they are in network? Is there a big difference among hospitals in your area, and are the “good” hospital(s) in or out of the network? Second, can you add up or estimate your medical costs for the year. Do you take prescriptions or have any other chronic condition that requires regular medical visits? (Sounds like no from your info above.) Usually there are options to choose high premium/low deductible or low premium/high deductible plans. If you don’t think you’ll be spending a lot and feel that you will be able to absorb a big copay if, heaven forbid, you wake up in an ER, then pick the low premium/high deductible option. You can also add up the yearly cost among the different scenarios with your expected expenses built in. Heath Care Spending Account—probably your employer gives you an option to take money tax-free out of every paycheck to cover reimbursable medical expenses. The catch used to be that you lose whatever you don’t spend at the end of the year, but I think it rolls over now (don’t take my word for it). Anyway, if you’re anticipating Lasik or if you have a vision option and like to buy new glasses every year or a dental option, this is also something to look into. Otherwise, I think you can claim those expenses as deductions on your taxes. If you do get married or have a kid, that’s considered a “qualifying event” meaning that you get an opportunity to change up your coverage if you need to. I’m 90% certain the above is correct, but talk to your HR manager to be 100% sure.