Which health insurance plan would be the best choice for the Smiths based on their PLANNED expenses? Andrew and Cindy and their three-year-old son Joe have a variety of planned and unplanned health expenses throughout the year. Each year, all normally get an annual physical exam. In addition to those expenses, the family estimates at least four office visits – two well-child and two well-adult visits.

a. POS Plus – Annual employee contribution is $3984, office visit copay is $25.

b. POS Value – Annual employee contribution is $2616, office visit copay is $35. 11.

Please, explain your answer