Which Insurance Would Be Better?

I am trying to decide between a Blue Cross Blue Shield health plan with a $500 deductible and 30% coinsurance and an Aetna health plan with no deductible and 40% coinsurance. The Aetna Plan is $30 cheaper than Blue Cross and it includes dental. Most of the other policy details are the same. Which would would you choose?
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It depends. Deductibles suck but then again, so does a 40% coinsurance. If your copays are $30 and $40 (respectively) for the two plans, just try to think of what your healthcare needs are and see which plan works best. Have you thought about an HMO? They are a lot less expensive than PPO plans.
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