Option 1: 20% co-insurance/$1500 deductible $20 copay maximum out of pocket 7000; option 2: 10% co-insurance/$450 deductible $10 copay maximum out of pocket 4000. 但是每个月要自己多出$350保费。这两个保险对于三口之家哪个更好？ 变量好多 想不明白