Need help deciding between two plans

Hi guys,

I’m 35 and my husband is 37. We both use our health insurances due to health and mental health concerns. We live in NJ and have a combined income of 200k.

I’m choosing between two good PPO plans, one with $2000 annual premiums higher over the other one.

I’m looking at NJ DIRECT vs NJ DIRECT 15

The main difference between the two are as follows:

EXPENSIVE VS CHEAPER

IN NETWORK Max out of pocket coinsurance: individual $400 vs $800 Family $1,000 vs $2,000

Same for both: TOTAL OUT-OF-POCKET MAXIMUM (COPAY+DEDUCTIBLE+COINSURANCE) – INDIVIDUAL $7,560
TOTAL OUT-OF-POCKET MAXIMUM (COPAY+DEDUCTIBLE+COINSURANCE) – FAMILY $15,120

I’m curious if this means I’ll ultimately spend the same total amount despite the difference in coinsurance?

Copay for specialists $15 vs $30

We see an OUT of network provider as well

Deductible Individual $100 vs $400 Family $250 vs $1000

I’m just confused if it’s better to get the cheaper plan and pay more towards out of pocket deductible for the out of network provider and if you guys have any thoughts of max out of pocket — does this mean that eventually it will all equal out even if I get the cheaper plan since they have the same max?

Hopefully I make sense.

Thank you for your time!

submitted by /u/FortuneAggressive783
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