This plan is called the High Deductible plan. It has a higher Deductible, a higher out of pocket expense, but lower monthly premiums. This plan might be appropriate for younger, healthier people. The main difference is the total out of pocket expense on this plan is $6,300 as opposed to $3,000 on the other plan. The co-pays at the doctor's office are the same at $35. If you go to a specialist and this can be anyone that is not a general practioner, it is $75 for this plan, as opposed to $65 for the other. Please click the link for more details.