Zanne...I work for health insurance and we also buy UHC coverage. I just had to make a determination on buying the more expensive plan or the high deductible less premium plan.
without seeing exactly the benefit plan highlights, I can't say which would be best, but here were my thought processes.
The higher premium plan had co-pays on mail order drugs versus ded and coinsurance for the lower premium plan. The math came out that the premium savings would more than offset the cost difference in my meds. BUT I do not order my meds with the coinsurance + ded plan becuase the sticker shock scares me, then i am not taking my meds (personal issue...I know i'm just born and bred cheap) So I am paying the higher premium to get my meds on a co-pay figuring I will order them every quarter instead of every half year.
If the Rx plan differ by co-pay versus ded+ coinsurance, you will likely be better off with the co-pay plan assuming you do not have enough medical expenses elsewher in the year.
As far as HMO versus traditional...the co-pay thing comes into play again. If you utilize many visits, the co-pay may be more effective for you.
I wish we could email together so you could scan and send me the highlights. I just did a review for a few friends who do not know their benefits or understand what they are buying. Can you take your current year expenses and figure out how the claims would have been adjudicated under each plan option...that wil help really clear up the differences in cost.