Help me pick a health insurance + HSA Question

I'm 30, single, M, healthy with no health conditions. Have a new job and this is my first time being able to pick from different options rather than just having a default the employer paid in full for.

Here are my options: https://imgur.com/a/MW5dkrt

I'm big on investing and have always maxed out my HSA and want to continue to do so. I do it with after-tax on my own using Fidelity, no employer has ever had a system of contributing to it thru my paycheck pre-tax. This employer is the same way.

As far as I can tell, a plan qualifies as a "HDHP" in 2024 as long as the annual deductible for a single person is >$1600. My question is, from these options they all have deductibles well in excess of $1600, yet only two of them say "HSA Compatible".

Why would this be the case? And since I'm going to fully be managing my own HSA (not going out of my paychecks from the employer), can I still do it if I pick one of the other 2 plans?

Also in my situation, do you think you'd lean towards the PPO or HMO options?

submitted by /u/gunnergolfer22
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