I’ve been roasted on PF for suggesting that HSA/hdhp might not always be the best option. I don’t think people realize how much variation there is from plan to plan and from one employer to another. In your case, PPO does look clearly better. I always say you should get the best coverage that you can afford and that makes sense for your life situation. I think that becomes even more important as you get older and health problems start to creep up.