每年一度的續簽健康保險，又開始了，大家幫忙看看選哪個好？

共三檔，最差的那個就不考慮了，大家看看哪個合算？現在是：

PPO：
自己付: $5000/年
Deductible: $500(個人）/家庭$1000
After meet annual Deductible 付20%
Office Vice Visits: $20 copay, $30 Specialist
Urgent Care: $50
Emmergency Room: $150

==============================

CDHP：
自己付: $2000/年
Deductible: $1600(個人）/家庭$3200
After meet annual Deductible 付20%
Office Vice Visits: After meet annual Deductible 付20%
Urgent Care: After meet annual Deductible 付20%
Emmergency Room: After meet annual Deductible 付20%