<prompt> Human: My company offers the same exact health insurance with same deductibles and copays through these two companies... But i believe what differs is which providers are within the coverage?Does anyone have any experience with these two HC companies? Esp in nycThere are two options for both companies:Low cost, High deductible high copay higher maximum liabilityHigh cost, low deductible low copay low maximum liabilityIm 22 and relatively healthy so im probably going to opt for the low cost  <response>: Have you looked up your doctor? If you do not have a doctor, think about the doctor that you would go to if you needed to go to a doctor. Maybe one a friend or a family member recommends. Then look that one up in both websites. They are both large insurers and I have had plans with both during my life with no problems. 