My employer is offering different health insurance options to choose from.

I'm in my late 20s; reasonably healthy. Don't smoke or drink. Have no family; this health insurance covers me only.



Plan A, which costs me $400 more per year in premiums than Plan B:

Copay for pretty much all medical services of any sort: 80% after deductible, if in-network, 60% after deductible, if out-of-network
Annual out-of-pocket maximum: $3,000 in-network, unlimited out-of-network
Annual deductible: $1,500 in-network, $1,500 out-of-network
Non-network liability (don't even know what this means): Unlimited



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Plan B, which costs me $400 less per year in premiums than Plan A:


Copay for pretty much all medical services of any sort: 70% after deductible, if in-network, 60% after deductible, if out-of-network
Annual out-of-pocket maximum: $5,000 in-network, unlimited out-of-network
Annual deductible: $2,000 in-network, $4,000 out-of-network
Non-network liability: Unlimited



Which do you think I should go for? And are these "good" health insurance plans, in terms of benefits, in your opinion? Mediocre? Lousy?


Also, why is the out-of-pocket maximum a set, fixed amount (i.e., $5,000,) but the non-network liability is "unlimited?" Is that a contradiction, or am I totally misunderstanding the meaning of "non-network liability?"