Try doing a graph with the amount you pay against your expenses for the PPO. Do the same for HDHP but shift it down by the employer contributions to the plan and the total difference in premiums. If the amount you'd expect to pay for your expected health costs is less for HDHP versus the PPO and you are able in an emergency to pay up until the out of pocket maximum then HDHP is far better (since this doesn't account for the fact the HSA is also an investment vehicle).
Dewster617 t1_iyac9nx wrote
Reply to I don't see the point of my employer's HDHP /w HSA compared to the PPO plan by zk2997
Try doing a graph with the amount you pay against your expenses for the PPO. Do the same for HDHP but shift it down by the employer contributions to the plan and the total difference in premiums. If the amount you'd expect to pay for your expected health costs is less for HDHP versus the PPO and you are able in an emergency to pay up until the out of pocket maximum then HDHP is far better (since this doesn't account for the fact the HSA is also an investment vehicle).