Overwhelmed with insurance options from employer, ELI5 please

Hello, just landed a new job and am sort of overwhelmed with the health insurance options they offer.

Background: 26M, fairly healthy (2020 no doctor appointments besides annual, 2021 no doctor appointments besides annual, 2022 quite a bit of doctor appointments due to nasal surgery), $50k salary

All three are BlueCross BlueShield of Texas and are PPO

These are the plans offered:

Bronze – $0 monthly, $6350 deductible, $6900 out of pocket – HSA eligible

Silver – $0 monthly, $5000 deductible, $5000 out of pocket – HSA eligible

Gold – $68 monthly, $1250 deductible, $5000 out of pocket

My biggest concern is figuring out which of these are the best. The second concern is if anything does go to shit and I have to go to numerous doctor appointments (even ER), which will save my ass in the long run?

I’m going to assume it’s silver vs gold so I’ll list the prices for those below:

The silver plan has the “no charge after deductible” for pretty much all things (doctor visits, tests, prescriptions, outpatient/inpatient, etc.) while the gold plan has a bunch of %s and numbers.

Gold doctor visits are $40 copay (deductible does not apply), outpatient is $250 plus 20% and inpatient is $300 plus 20%.

In the long run, which of the two will be better for me in terms of health and flexibility?

The other question is what does the HSA eligible mean? I understand that the HSA is like a savings account to pay for everything health related. Do I put the money into this account or does my employer?

See also  Accidentally saw an out-of-network provider, ended up needing surgery and now the claim is being denied.

Super new to the whole solo insurance thing since I just turned 26 a couple months ago.

Thanks in advance!