Which Is Better, Comprehensive Plan Or High-Deductible Plan With HSA?

Comprehensive Health Plan
Deductible 
Coinsurance 
Maximum annual out-of-pocket (OOP) 
Monthly insurance premium 
High-Deductible Health Plan with HSA
Deductible 
Coinsurance after deductible is met 
Maximum annual out-of-pocket (OOP) 
Monthly insurance premium 
Other Assumptions
Anticipated yearly medical expenses
(incurred by one individual)		 
Marginal tax rate (state/federal plus 7.65% SS/Medicare) 
Plan type 
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