As you evaluate the monthly premium costs recognize that you pay these monthly rates whether you obtain any services or not. For example, if you select the Alliant Plus Health Plan you will pay the lowest monthly premiums. Then, you choose where to seek care if and when you need it - in network, with minimal out of pocket or out of network, with additional out of pocket costs. In this way you're paying more only if you need care. In the meantime, you've saved yourself the difference in monthly premiums for those months.
Benefits are the third component in the decision equation.
On the other hand, you may consider specialty care very important. The Preferred Plan offers complete open access to primary and specialty care to all providers within the PPO network and it offers the most extensive benefits if you travel or have a dependent living out of the area. It's your choice. Then select the plan that best meets those needs. Keep in mind that it's an annual election, so you will have a chance to do it all again next year.