You don't have to do anything with it, if it is in a good place in good funds, you can let it ride. If you get a new 401k with the next job, you can roll it into that new one. Main reason to transfer it is to make it easier for you to keep track of, or if you have some preference for a particular brokerage house.

ISIS see you in court!

They don't need bombs to destroy 'merica, they need lawyers.

Smaller and lighter than a Navigator or a Suburban. Those are only boxy like they are because everyone needs shoulder belts these days. Each are 6 or 7 passenger.

It'd be lighter than a Porsche Taycan.

There's one guy, we'll call him Voldemort, that is so much fun to talk about, it even feels important to talk about him, but I fear saying his name, lest his popularity rises, even in negativity. What to do?

Even this post. You know of whom I speak, without having said his name. But, I've been talking about him.

Lawyer season

https://en.wikipedia.org/wiki/Dick_Cheney_hunting_accident

Does the HSA work with the PPO? I'd doubt it. Paying an extra $140 ($360 premium-$500 deductible) to get $750 is a no brainer.

Plus, the HSA can be treated as a tax-free retirement account as it is funded with pre-tax money, and grows tax free like a 401k. It can be used as an emergency fund, if you just pay the bills, and not submit them until such time as you need the money, even years down the line. There is something to be said for maxing that out at the $7300 per year, which only reduces your paycheck like $5000 per year.

In light of the c-section, where 20% of $50k is $10k, so you'll hit the out of pocket max on either. The lower max, means the high deductible plan is going to be $1340 cheaper.

I'm having a hard time finding a scenario where the PPO is the better way to go.

I'm on the ACA now, my premiums are going to be $1480/month for 5 with $7500/$15000. To me, your plan looks really good, very generous. Your employer would seem to be contributing 80% or more of your premium. The high deductible plan in that case would be that much cheaper for them, making the $750 HSA contribution for them worth while to push you toward the high deductible.

I was looking at this: https://www.healthcare.gov/glossary/high-deductible-health-plan/

That says $1400 individual, $2800 family, which might cover OP's $1500/$3000

When I was looking at plans for my family, even with the deductible much higher than $1500/$3000, some plans specifically said "not qualified for HSA". There might be other qualifications in the plans.

What's the difference in premium? It's easier to compare when you look at the premium from a yearly instead of a monthly cost.

$500 difference in deductible, is worth $41/month in premium. For the out of pocket, that's worth $83/month in premium.

What's the coinsurance with the PPO? Deductible is $1000, but somehow you're getting to an out of pocket of $4000? How about with the high deductible? Is that max out of pocket $1500x2, like they pay 100% after the deductible is met?

Was the last kid c-section? What did it cost to hatch that one? Are you expecting $10k or $50k? Is that going to be $4000 out of pocket max on PPO, or $1500 for just your wife's deductible?

When looking at this stuff, I find it almost always pays to go for whichever has less premium. They will find ways not to pay, or you might get lucky and not even need them to pay. So, it is best not to give them your money up front. At most if not all the plans I've looked at, lower deductible is always more than made up for in premium.

Does the high deductible plan qualify for an HSA? It's $1400/$2800 for the deductible to qualify, but even with that not all plans do. An HSA can give you a (tax rate) discount on what you spend on health care by using pre-tax money that could nearly overcome the lower deductible on the PPO.