Where should Auronee & Amaya's health coverage go in 2027?

Dad stays on Moloco, Mom stays on Boeing — the only question is the kids. Built Nov 3, 2026 from both employers' 2027 plan documents.

Verdict: put the kids on Mom's Boeing BCBS Traditional. $1,109/yr for both kids vs $979/yr on Dad's HDHP — but the HDHP carries a $6,000 family deductible, while Boeing's $300/$900 deductible + 10% coinsurance is a far better safety net for kids. Dad's PPOs ($1,783–$2,043/yr) aren't close. Details and calculator below.

1 · The contenders

DAD — MOLOCO

Blue Shield of California

Plan (Employee+Children tier)	Per month	Per year
Full PPO 0 (current plan)	$170.27	$2,043
Full PPO 250	$148.62	$1,783
HDHP 3500 + $500/yr employer HSA seed	$123.21	$1,479

Employee-only is $0 on all three, so the Employee+Children price above is the full marginal cost of adding the kids. HSA seed applies when Dad enrolls in the HDHP.

MOM — BOEING

2027 plan designs (premiums TBD)

Plan	Deductible	OOP max	Kids' visit cost
BCBS Traditional PPO (current)	$300 ind / $900 fam	$2,000 ind / $4,500 fam	10% after ded.
Embright Traditional PPO	$300 ind / $900 fam	$2,000 ind / $4,500 fam	10% after ded.
Kaiser HMO (Washington)	$0	$6,850 ind / $13,700 fam	$20 copay

Boeing 2027 premiums weren't in the plan PDFs — enter them in the calculator below. Mom's 2026 BCBS rate was $37.02/paycheck (tier unknown).

2 · Calculator: annual cost of covering the kids

Mom's 2027 BCBS Traditional rates are filled in below — change them if the kids would join a different Boeing plan. This compares the marginal yearly cost of the kids on each side.

Boeing plan the kids would join Mom's per-paycheck premium, Employee+Children tier (2027) — BCBS Traditional: $85.30 Mom's per-paycheck premium, Employee-only tier (2027) — BCBS Traditional: $42.65

Assumes 26 Boeing paychecks/year. Moloco is monthly × 12.

Marginal yearly cost of the kids

3 · Plan design cheat sheet

MOLOCO

Plan	Deductible	OOP max	Office visit	Rx
PPO 0	$0	$1,000 / $2,000	$10 / $15	$10 / $30 / $50
PPO 250	$250 / $750	$3,750 / $7,500	$25	$15 / $40 / $70
HDHP 3500	$3,500 / $6,000	$3,500 / $6,000	ded. then 100%	ded. then 100%

BOEING

Plan	Deductible	OOP max	Office visit	Rx OOP
BCBS Trad.	$300 / $900	$2,000 / $4,500	10% after ded.	$4,000 / $8,000 sep.
Embright	$300 / $900	$2,000 / $4,500	10% after ded.	$4,000 / $8,000 sep.
Kaiser HMO	$0	$6,850 / $13,700	$20 copay	incl. in OOP

OOP max pairs shown as individual / family. Boeing Rx has its own separate OOP limit on the two PPO plans.

4 · Dental & vision for the kids

	Moloco (Cigna / VSP)	Boeing
Dental, Employee+Children	$16.81/mo · $5,000 max, 2 cleanings/yr	not in plan docs — check enrollment
Vision, Employee+Children	$1.61/mo · $10 exam, $180 frame/contacts	not in plan docs — check enrollment

Moloco dental 2027 drops cleanings from 3/yr to 2/yr — the family uses 2, so no impact.

Sources: Moloco Benefits Guide 2027 + Blue Shield SBCs; Boeing BCBS Traditional / Embright / Kaiser HMO SBCs for 2027 (via Tanzina's email Nov 3, 2026). Premiums are employee contributions only.

Still needed: both employers' enrollment windows/deadlines (Moloco: Workday; Boeing: TotalAccess) · Embright/Kaiser 2027 rates (above assumes BCBS Traditional) · Boeing dental/vision kid tiers · Boeing HDHP option (not included in what was shared).