1. Calculate the total annual premium
2. To the results from step No. 1, add the deductible for each plan.
3. Subtract the deductible from the out of pocket (OOP) maximum.
4. Add the premium amount from step No. 1 to the OOP maximum.
An example will help. Get the full details and example at: https://humbledollar.com/2019/10/decision-2020/