Dude , there are two main plans: HMO and PPO. HMO is relatively cheaper but you will be stuck to same group of doctors whereas PPO is more flexible letting you choose for all the partipating health providers anywhere in the country. The premium depends on deductible .You premium would be lower if you deductible is higher.If your wife is healthy and she doesn't need to go to doctor often then go for high dedutible but lower premium .But remember if she goes to doctor you will be paying more out of your pocket. There are many insurance companies that offer different health plan .you can check with them .i advise you to look into your local hosipitals sometimes they have some plans too.Since you will be staying in the same city .It doesn't hurt to get plan with them .The good thing about taking plans with local hospitals is that you out of pocket cost when u go to see doctor in the hospital is cheaper. there are many insurance companies-bluecross/blueshield,atena,aig etc...Choose the one that is more suitable for u .According to your needs.Just don't go with what they say .U know your health better.