Please help! First time mom and confused!

Hi all - my first baby is due March 30th. I usually lean towards PPO plans because I can better predict how much I will spend…especially with primary care and dermatology but knowing the costs of labor and delivery will max out my deductible and OOP does the high deductible plan make more sense for 2026? Thinking I will switch back to PPO in 2027 when baby will have a lot of appts?

Plan break down:

Choice POS II plan: $750 individual/$1,500 family deductible $3,500 individual/$7,000 out of pocket max $104.91 per pay but will go to $220 once baby is added

HealthFund HSA $600 employer contribution to HSA $1,750 individual/$3,500 family deductible $3,500 individual/$7,000 family out of pocket max $76.72 per pay but will go to $152.75 once baby is added

Thank you for your help!! I’m stressed out enough with being a new mom and this is just an added layer of stress ugh!!