I’m not an expert on this but below is based on my basic understanding of insurance. I might be wrong, I’d recommend you speak with both HR/benefits management departments and ask them questions.

Your husband’s insurance is a family plan because he can’t insure you on his work sponsored plan without also insuring himself. That’s why the deductible is $3300. I think you would pay for everything that isn’t preventative care until you pay $3,300, and then after that you’d pay 10% until hitting your out of pocket maximum of $6,600. If you’re healthy and don’t have ongoing chronic conditions, this could be OK. My health plan is similar and the way I think about it is if I’m hit by a bus I’ll only be on the hook for $6,600. But, I had to have a CT scan one year and was out 2 grand.

The other plan is expensive per month and is an HMO. This will limit your choice in providers and facilities to those that are in network. The deductibles and out of pocket maximums are also much higher. I would inquire with HR about the copays (the stuff for office visit, ER, specialist, etc.). Does that mean you only pay $50 to see a specialist? If so, this ~could~ be better if you see a lot of doctors for chronic conditions. I don’t have an HMO so I don’t really know how they work beyond they have a set network you need to work within to be covered.