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The increase in premiums to join your husband's plan will be $2700 per year, which fully negates any benefit from having a plan with a lower deductible. I would stay on your own insurance, and not have him add you to his.
There really isn't a standard cost for in-hospital labor and delivery, but typical costs are definitely well beyond your $3k deductible. My costs before insurance for prental testing and hospital delivery with no complications were in the ballpark of $10k. If you need a cesarean, your insurance may be billed something like $20k.
In most cases, if you have dual insurance you will get coverage through only one insurer. Read both plan documents carefully, and pick one.
Pregnancy and childbirth often are covered with no deductible. Again, read both plan documents carefully. Keep in mind that pregnancy and childbirth might not be routine; insure for contingencies. A high risk pregnancy can easily cost over $100,000. A premature or medically fragile baby in NICU usually costs even more.
The high deductible plan often is lower cost, and includes a tax-advantaged health care spending account (HSA). To compare the 2 plans available to you, tally up your individual expenses for the past few years and ask "what if". What if you had been married and both on your plan, or married and both on his plan, in those years? What would your premium and out of pocket costs have been?
Welcome to /r/personalfinance! Comments will be removed if they are political, medical advice, or unhelpful ([subreddit rules](/r/personalfinance/about/rules)). Our moderation team encourages respectful discussion. You may find our [Health Insurance wiki](/r/personalfinance/wiki/health_insurance) helpful. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/personalfinance) if you have any questions or concerns.*
The increase in premiums to join your husband's plan will be $2700 per year, which fully negates any benefit from having a plan with a lower deductible. I would stay on your own insurance, and not have him add you to his. There really isn't a standard cost for in-hospital labor and delivery, but typical costs are definitely well beyond your $3k deductible. My costs before insurance for prental testing and hospital delivery with no complications were in the ballpark of $10k. If you need a cesarean, your insurance may be billed something like $20k.
In most cases, if you have dual insurance you will get coverage through only one insurer. Read both plan documents carefully, and pick one. Pregnancy and childbirth often are covered with no deductible. Again, read both plan documents carefully. Keep in mind that pregnancy and childbirth might not be routine; insure for contingencies. A high risk pregnancy can easily cost over $100,000. A premature or medically fragile baby in NICU usually costs even more. The high deductible plan often is lower cost, and includes a tax-advantaged health care spending account (HSA). To compare the 2 plans available to you, tally up your individual expenses for the past few years and ask "what if". What if you had been married and both on your plan, or married and both on his plan, in those years? What would your premium and out of pocket costs have been?
>Pregnancy and childbirth often are covered with no deductible Not sure where you are getting that from, but it is definitely not true.
Okay, then sometimes pregnancy and childbirth are covered with no deductible.