Please help me understand: HDP + HSA with employer contributions (with a couple bonus questions)

My family has always opted to have a PPO plan with higher premium and low deductible option. However, this year we are looking at the HDP plan with an HSA. The difference between the HDP premium and MHP premium is $5,244/year (HDP = $30/month, MHP = $467/month). For the HDP plan with HSA, the employer contributes $3,300 to HSA for family which covers the entire tier one family deductible.

Is there any reason not to select this plan? The MHP tier one has $0 ded and $5,000 oop max. But it seems to me, with the employer contribution, we basically have the entire tier 1 deductible met with the HSA and are paying $5,000 less in premiums for the year.

Also, maybe this varies by insurance plan so if not answerable, I understand— this plan has three in network tiers and then out of network as tier four. Do the tier deductibles cross accumulate or are they each separate deductibles? Say our family meets tier one $3,300 deductible, do we now still have the full $3,600 remaining in the tier two deductible or only $300 remaining since we met $3,300 with the tier one deductible?

Seriously, thank you for any help. I am doing my best to understand but we definitely do not have the money to make a big mistake here and I want to make sure I am really comprehending it all.

Side note if helpful: on our family plan would be my spouse, our toddler, and I. We are in our 30s. I am overweight but my spouse is perfectly healthy. We hope to get pregnant and have another baby in the upcoming year. Otherwise, currently no big health concerns and the only current prescription is for lexapro.

Also sorry if I should have selected employer insurance flair, I wasn’t sure! Thanks again!

submitted by /u/rulebreakingm0th
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