Help Choosing a Health Insurance Plan

Trying to decide what health insurance plan my wife and I should enroll in. We are currently both enrolled in an Empire PPO plan through my employer but have the opportunity to enroll in a new plan as she just started a new job and are looking at UnitedHealthcare PPO.

We are both in our early 30’s. She is a type 1 diabetic, goes to the doctor fairly regularly, and has routine prescriptions she fills for insulin, glucose sensors, insulin pump pods etc. I rarely go to the doctor outside of my once a year physical. We have no kids and would be looking to try for kids in the next 1-2 years.

I’ve included a very basic summary of each plan, let me know if there is something I’m missing.

EMPIRE PPOUNITEDHEALTH PPO$225 Monthly Premium$500 Monthly Premium$4,000 deductible (in network)4200 deductible (in network)$8,000 deductible (out of network)$1,200 deductible (out of network)$12,000 Out of Pocket Maximum$6,200 Out of Pocket Maximum$30/visit primary co pay$40/visit primary co pay