Tom's Insurance Tom is choosing between 2 insurance plans. He has a chronic condition that costs about $14,000 per year to manage before insurance. Plan A has a $180/month premium, a $1500 deductible, 90% coinsurance, and an out of pocket max of $5000. Plan B has a $120/month premium, a $2500 deductible, 80% coinsurance, and an OoP Max of $5000.