Pregnant and trying to figure out the best insurance plans

I am pregnant, due in December. My spouse and I have July fiscal years so we have the option to change our insurance now. Here are our options:

Option A: Both be on spouse's plan: Cigna – $2378.64 annual premium, $4k deductible, $5k/$10k OOP max.

Option B: Each have our own plans:
Spouse: Cigna- $437.28 annual premium, $2k deductible, $5k OOP max
Me: Harvard Pilgrim – $3213.12 annual premium, $500 deductible, $5k OOP max

I know that the numbers add up to be a little cheaper for option B, but here's some other considerations:

My plan will have copays for some things even after deductible is met, hers covers 100% after deductible My plan is tiered, and it seems like my OB/hospital are tier 2. It also says they cover 100% of prenatal care, so I'm not sure that the tiering matters. Spouse is considering changing jobs. I would hate to pay into the deductible for a while only to lose the plan and not reap the benefits Spouse generally has lower healthcare costs. I think she has 6-8 claims in the last year. She likely would not reach her individual deductible Spouse's plan has been very good for covering things. I had all of IVF covered after reaching my deductible (infertility diagnosis). I worry that switching to a new plan I won't have that as much. submitted by /u/yawaworhtdorniatruc
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