I am not sure there is a right answer to this because I suspect it will vary because of circumstances but here goes anyway. With premiums being relatively equal are you better off with a lower deductible and a 20-50% co-insurance after the deductible is met for most services up to your out of pocket limit or are you better off with a higher deductible but with fixed copays for most common services. Out of pocket limits are the same. Deductible for the first is $3300 and for the second its $5100 with example co-pays of $125 xray, $325 cat scan, MRI, etc, $25 labs, $70 specialist, $425 ER.
Given the above which would you go with?
Given the above which would you go with?
