@Kaile I'm currently evaluating the benefits of an employer-sponsored plan compared to a private PPO. How should I weigh employer subsidies against the risk of losing coverage when changing jobs? Additionally, which option handles unexpected maternity complications with less financial stress?

My wife and I are moving to the U.S. for my job, and we need good access to doctors and maternity coverage for her next year. How can I compare employer plans to PPO options? I’d like to estimate monthly costs and balance deductibles, copays, and out-of-pocket limits to keep my family financially secure.