New job HSA vs HRA?

I (36M) started a new job, with more health insurance options than my previous jobs. Not sure which to pick, so Im hoping I can get advice here.

I don't visit the doctor much, really only for physicals and teeth cleaning every year.

Dental and vision can be added to either plan for an extra $25 a month, which I'll probably do regardless of what I choose.

I'm getting married late next year, no kids yet.

There is an FSA page, but doesn't say if its attached to either option.

All coverages are the same, so ill put in the differences.

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HRA GOLD

$220/mo

$0 Total Employee Responsibility

"Company contributes $6350 on your behalf. Therefore your entire deductible and out of pocket max is funded by the company"

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HSA GOLD

$180/mo

$2500 Employee Responsibility

"Company contributes $3850 on your behalf. You are responsible for the first $2500 of your individual deductible. This enables you to open a health savings account, which the company will also contribute to if elected.

submitted by /u/Wooden-Complex9461
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