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There is no one-size-fits-all answer to your question. In order to properly compare Out-of-Pocket costs, you need to consider what you are spending in premiums (over the course of the year) along with what you will pay for the services you receive (copays, deductibles and coinsurance - and maybe other costs). The only way to make a good decision in this regard is to look at your individual situation in depth, or have someone with a strong health insurance background do it for you.
I think it's wise for anyone with insurance to perform an evaluation of this type every year, before selecting their health insurance policies for the next year.