The Endless PPO vs HDHP debate, which would you choose?

This is for family coverage. We can afford to the OPM up front on day 1 of coverage if needed, so that is not the issue. Last year we spent around $6000 and our OPM was $12,700. We maxed out our HSA and the employer contributed $1000. The plan has basically stayed the same for HDHP. We have two kids, three family members who see specialists. I also have a question on the 0% Member Coinsurance on the HDHP. How is the OPM $12700 if you have 0% coinsurance after the deductible is met? Is that for like thousands of dollars in RX copays?

PPO

Premium: $579 mo
Deductible: $1,500 individual/$3000 family
OPM: $6350 individual/$12,700 family
Member Coinsurance: 20%
Copays: $35 P/$70S/$0 Tele/$250+20% after in-network deductible emergency/$35 Urgent
RX : T1 $15/T2 $50/T3 $75

HDHP

Premium: $367 mo
Deductible: $3200 individual/ $6400 family
OPM: $6350 individual / $12700 family
Member Coinsurance : 0%
RX (after deductible): T1 $15/T2 $50/T3 $75

submitted by /u/ns0718
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