Deciding between PPO or HDHP w/ HSA

I am getting married soon and my partner will be added to my employer provided health insurance. I currently have an HMO, but am moving to a PPO or HDHP w/ an HSA, but I am having trouble deciding.

Background (me): 35 male, healthy, exercise, rarely go to the doctor except for a physical

Background (partner): 30 male, exercise, fairly healthy, has had some small health issues over the past few years (colonoscopy, ER visit, IBS/stomach issues), goes to doctor a few times a year.

Plans:

PPO

Premium (annual) $5,345.88
Deductible $1,500
Coverage (after deductible) 90%

HDHP

Premium (annual) $2,918.28 Deductible $5,600
Coverage (after deductible) 100%

My employer contributes $3200 annually to the HSA.

I am leaning towards the HDHP because of the employer contribution of $3200 to the HSA so that + the $2427.60 less premium than the PPO adds up.

Is there any reason I should go with one over the other?

submitted by /u/Mindfulmister
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