Help Choosing Between State Plans

Hi everyone. I just started a new job and I’m currently losing my mind trying to decide between the regular PPO plan and the HDHP PPO plan so I would appreciate some advice. I’m a single 25 year old and relatively healthy with no known underlying issues. The plans are as follows:

PPO Plan – $50 monthly, $250 single/$500 family deductible, $9450 single/$18900 family global in network OOP max, no charge on preventative care, primary care $15 copay, specialist $25 copay, urgent care $25 copay, emergency room $100 copay, hospital stay 20% after $250 copay, generic preferred and not preferred drugs $7/$30/$50

HDHP PPO PLAN – $15 monthly, $1600 single/$3200 family deductible, $4600 single/$9200 family global in network OOP max, no charge on preventative care, primary care, specialist, urgent care and emergency room, hospital stay are all deductible then 20% of network allowed amount, generic preferred and not preferred drugs are after paying deductible 30%/30%/50%

The main thing I’m considering is the fact that the HDHP PPO Plan comes paired with an HSA in which my employer contributes $500 to for single and $1000 for family. I’m single so it would be $500 so I’m just wondering if it’s worth it to go for the regular PPO plan and miss out on the HSA or the other way around? Thank you!

submitted by /u/Rambombbbb
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