HSA VS EPO

Started a new job and I have to pick a new health plan. I’m torn on which one I want to go into.

Background on me: I take monthly medication for asthma and I’ve recently been diagnosed with pancreatitis and might have to see specialists on an increasing basis. For age, im 29.

HSA:

$1,600 deductible

Plan pays 100% after deductible is met for in network, 80% after deductible for out of network

$23.53/bi weekly premium ($611.52 annual)

EPO:

$0 deductible

Can only rely on in-network

Co pays:

PCP: $20 Specialists: $30 Inpatient hospital services: $500 ER: $100 waived if admitted Imagining: $20 Urgent care: $20

$55.61/ bi weekly premium ($1,445.86)

For meds:

Both plans have same copays, hsa copay just kicks in after deductible.

I feel that they can get equally expensive depending on how my health goes in the next year and I’m just not sure his to pull the trigger.

Do I fork over the extra money upfront with the HSA to be covered on any BS that happens? Or do I roll the dice and hope my health doesn’t spiral on the EPO where I’m limited to my network and the copays stack up. (Hospital visits are a typical treatment option with pancreatitis, luckily I have yet to go but have come VERY close to going)