TriNet Aetna HDHP 3000 vs TriNet Aetna PPO 1000

Hi, I was hoping I could get some help choosing between a couple of health plans I am considering.

About me:

Health: 40 something single male who has to get regular blood work (every 2-3 months as part of weight management), three generic medications, weekly mental health visits, and not planning on any major surgeries in 2023 (but you never know). I might have to get a couple of imaging studies (x-ray/MRI).

Financial: 24% tax rate.

Aetna HDHP 3000-100 Tri-StateAetna PPO Tri-StateEmployee Cost per pay period$56.50$119.50Employer Contribution per pay period$280$280Deductible (In/Out)$3000/$6000$1000/$3000Primary Care Visit$30 after deductible$25Specialist Visit$45 after deductible$50Out of Pocket Max (In/Out)$6500/$14000$7000/$12000Co-insurance (In/Out)0%/30%20%/30%-50%Prescription$10 after deductible met$10ER Visit$400 after deductible met$350Lab & X-Ray0% after deductible20% after deductible

Notes:

– FSA (PPO) does not carry over year to year in any form.

– HSA (HDHP) – I plan to contribute $1500 a year.

– Aetna also offers EPO plans but from my research, I don’t want to risk using the service w/ a provider who is out of network.