Our northeast based company got bought by some backwards ass country bumpkin company from Missouri and with it come their midwestern values and policies. We used to have a wide selection of great and simple healthplan choices, now we are faced with only two confusing choices. Both are WAY more expensive and both offer WAY less than what our current plan gives us, but nothing I can really do about that. Good thing we had our baby this year. Can someone help me decipher them and pick one? I have a wife and newborn child that will be on the plan. Incidentally, my wife works for the same company, so I need to know whether to have one plan with her and the kid on it, or for me to have my own and her to have her own, with the kid on one of ours. Here are the two breakdowns: Lower payroll deduction option http://pics.bbzzdd.com/users/akshatp/ConsChoicePlanHRA.jpg $56.31 Self / $114.46 Self + Spouse / $102.92 Self + Child / $163.38 Family Higher payroll deduction option http://pics.bbzzdd.com/users/akshatp/BasicPlanPPO.jpg $69.23 Self / $148.15 Self + Spouse / $126.92 Self + Child / $213.23 Family Help me pick one. Im so confused.