My husband & I just got new jobs. They are in a new county & health benefits they offer are different from what we have now. Basically we have narrowed it down to 2 plans & the main difference is the deductible. We don't have any major health issues but do plan on having 1-2 more kids in 2+ years. Any suggestions are helpful!!

Plan A:
$500/$1000 deductible
$2000/$4000 OOP max
$30 co-pay
20% co-insurance

Plan B:
$3500/$7000 deductible
$6000/$12000 OOP max
$40 co pay
20% co-insurance

****Neither of us can deny insurance, so we will be double covered, so not sure how that affects our deductible, if at all?? The difference in premiums is $200/month (10 months\year). Help please!!!