It all depends on your state of health. If you have been sickly and periodically requires medical attention, then you would appreciate the plan with lower co-pays/co-insurance at a higher insurance premium that remains constant week in and week out. However, if the health coverage is more of a safety net, at this point, than anything else, the savings by paying the lower premium for the policy that has higher co-pays/co-insurance will be more to your advantage.