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Did you hit your $2000 deductible though? Since the deductible is low, it would take a while to hit your OOP max after that. If you've already hit the deductible, I think it's probably safe to assume you might hit the $3k deductible too, so would you actually end up saving money? The $158/month will only save you $528 for the year. If you end up coming even close to that $3k deductible, you will have spent more.

Can you afford the higher OOP max if disaster strikes?

Agree with @adira. If you come close to meeting the $3000 deductible, you would be better off having gone with option 1.

I would look at what you anticipate in expenses next year. Approximately how many sick visits, how many speech therapy. You should have an idea from this year of what those cost. See if that gets you to the $2k deductible. It sounds like the big change in expenses, will be not having the major medical of the birth. If the "known" things get you under $2K, I'd likely save the little bit in premiums and go with the second option with the $3k deductible.

I'd go for the low deductible one. If you have specialist appointments or surgery even remotely on your horizon or a number of immediate care visits for both you and the kids, I would want to hit the deductible faster. Between all of my ENT appointments and surgery, we hit the deductible. My surgery was covered 80/20.

Next year, we're looking at a vasectomy, possible sleep study, possible surgery for DH and a belly button fix for me. Hitting the deductible sooner is the best option for us coupled with trips to immediate care and other appointments for the kids.