Which is more important when choosing a family plan: cheaper premiums or less expensive co-payments?

You should base this decision on your situation. If you’re young and healthy, you can go for lower premiums and higher co-pays in your family health insurance plan and gamble that you won’t visit the doctor much. But higher premiums and lower co-pays are better for those who already have health conditions or have young children who make frequent visits to the doctor. Always keep in mind that cheaper plans are not always the best deal. You want to get a family health insurance that offers a good value with comprehensive benefits.