Check pricing. Then check with all the doctors that you, your wife, and children use or may use to see if they accept the insurance and the particular plan you are looking at.
You should estimate what your healthcare expenses may be for the year and do the math. high premium with low deductible, low premium +high deductible, lower coinsurance/copay or high coinsurance/copay
Premium+ deductible +maximum out of pocket (which may include the deductible)….
There is no one right answer for everyone.