Marketplace Insurance for NJ Couple Trying to Have a Baby

My husband and I are both independent contractors shopping for insurance. We live in NJ and are planning (hoping) to have our first baby next year. We have been trying for over 1.5 years and started seeing a fertility specialist in the last few months. I will also need to see an endocrinologist throughout a pregnancy.

I have a couple questions:

Is it better for us to get insurance together or separately? Since I will be the one receiving pre/postnatal care, delivery, maternity care, etc., and my husband is in good health, is it necessary for both of us to be on a more expensive plan?

Is a more expensive plan worth it for me? To be specific, here are some numbers for individual plans:

United Healthcare Bronze EPO

United Healthcare Gold EPO

Aetna Silver EPO

Horizon Gold EPO

Monthly Premium

$402.23

$875.94

$442.40

$920.54

Deductible

$3,000

$1,500

$2,500

$500

Out-of-pocket max

$9,450

$9,000

$8,850

$7,000

Prenatal and Postnatal Care

No Charge

No Charge

40% Coinsurance after deductible

$25 Copay

Delivery and All Inpatient Services for Maternity Care

50% Coinsurance after deductible

20% Coinsurance after deductible

40% Coinsurance after deductible

$500 Copay after deductible

Is there anything I may be overlooking? Any advice would be appreciated!