请教关于医疗保险
大家好，我是新来U Mich 的博士后(J1)，夫人和我一起来的(J2)。最近收到邮件，让我选择医疗保险。学校给的几种选择包括：BCBSM Comm. Blue PPO
Coverage LevelYour CostsWaive CreditsTotal CostsTax Class
You Only $123.00 $0.00 $123.00 Pre-Tax
You & Adult $390.00 $0.00 $390.00 Pre-Tax
You&Adult&Chldrn $552.00 $0.00 $552.00 Pre-Tax
Comprehensive Major Medical
Coverage LevelYour CostsWaive CreditsTotal CostsTax Class
You Only $0.00 $0.00 $0.00 Pre-Tax
You & Adult $144.00 $0.00 $144.00 Pre-Tax
You&Adult&Chldrn $213.00 $0.00 $213.00 Pre-Tax
Health Alliance Plan
Coverage LevelYour CostsWaive CreditsTotal CostsTax Class
You Only $146.00 $0.00 $146.00 Pre-Tax
You & Adult $436.00 $0.00 $436.00 Pre-Tax
You&Adult&Chldrn $616.00 $0.00 $616.00 Pre-Tax
U-M Premier Care
Coverage LevelYour CostsWaive CreditsTotal CostsTax Class
You Only $41.00 $0.00 $41.00 Pre-Tax
You & Adult $226.00 $0.00 $226.00 Pre-Tax
You&Adult&Chldrn $326.00 $0.00 $326.00 Pre-Tax
另一个地方查到的自己和学校分别付的保险额，和上面略有出入：
Health Plan Your 2015 Monthly Deduction University 2015 Monthly Contribution 2015 Total Premium
U-M Premier Care
You Only $ 45.00 $ 481.00 $ 526.00
You + Adult $ 242.00 $ 810.00 $ 1,052.00
You + Adult + Children $ 350.00 $ 1,101.00 $ 1,451.00
BCBS of Michigan Community Blue PPO
You Only $ 134.00 $ 481.00 $ 615.00
You + Adult $ 420.00 $ 810.00 $ 1,230.00
You + Adult + Children $ 596.00 $ 1,101.00 $ 1,697.00
Comprehensive Major Medical
You Only $ 1.00 $ 481.00 $ 482.00
You + Adult $ 154.00 $ 810.00 $ 964.00
You + Adult + Children $ 229.00 $ 1,101.00 $ 1,330.00
Health Alliance Plan
You Only $ 137.00 $ 481.00 $ 618.00
You + Adult $ 426.00 $ 810.00 $ 1,236.00
You + Adult + Children $ 604.00 $ 1,101.00 $ 1,705.00
学校的网站上给了些对于各种plan的介绍，我们都不大懂，想请教下有经验的朋友们。我们的身体都还不错，未来几年最主要的医疗开销可能是准备要一个小孩。大家能否给一点建议，选哪种plan比较适合我们？
多谢大家了。
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