Help me choose “NY”

Hello there , i need to choose an insurance plan for me and my wife don’t know what to pick , we live in nj but she works for nyc. Here the list of options we have :

MetroPlus Gold Basic/Rider:

Cost: Basic – $0, Rider – $128.40 Pros: Lower cost for the basic plan; covers most essential services. Cons: Limited coverage in the basic plan, additional rider cost.

MetroPlus Gold Standard Rx:

Cost: $65.87 Pros: Focuses on prescription coverage. Cons: May not cover other medical services extensively.

Aetna EPO Basic/Full Rider:

Cost: Basic – $275.88, Full Rider – $1423.65 Pros: Comprehensive coverage, wide network. Cons: Higher cost, especially for the full rider.

Cigna Basic/Full Rider:

Cost: Basic – $744.99, Full Rider – $924.29 Pros: Comprehensive coverage. Cons: Higher cost.

Anthem EPO Basic/Full Rider:

Cost: Basic – $542.33, Full Rider – $837.60 Pros: Comprehensive coverage, wide network. Cons: Higher cost.

HIP HMO Basic/Carveout:

Cost: Basic – $0, Carveout – $4.76 Pros: Very low cost, covers essential services. Cons: Limited provider network.

HIP POS Basic/Full Rider:

Cost: Basic – $623.33, Full Rider – $849.92 Pros: Comprehensive coverage. Cons: Higher cost.

Vytra Basic/Full Rider:

Cost: Basic – $149.15, Full Rider – $371.54 Pros: Moderate cost, good coverage. Cons: Limited provider network.

GHI HMO Basic/Full Rider:

Cost: Basic – $179.45, Full Rider – $440.28 Pros: Good balance of cost and coverage. Cons: Limited provider network.

GHI-CBP Basic/Carveout:

Cost: Basic – $0, Carveout – $2.90 Pros: Very low cost, covers essential services. Cons: Limited provider network. submitted by /u/BmwFP3
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