PPO or HDHP

I’m signing up for health insurance for open enrollment for my company and I’m debating which would make sense.

This past year I had HDHP, my company puts like $300 into my account for me each year along with whatever I contribute for HSA. Currently I have about $600 in it. I’m a 31 year old male and my deductible was $3200 and my max out of pocket this past year was $3250. The plan for next year is the same. I had knee surgery this year and met my max out of pocket. My biweekly would be $55.

The PPO offered is $95 biweekly, deductible is $650 and max out of pocket is $4000. PCPs are $30 and specialists are $50. Tests and all that are 20% after deductible met.

Other than my knee, I have no health issues. I’m considering having another surgery this coming year so that is mostly why I’m debating which would be a better deal. I feel like if I’m going to have surgery I’ll be better off with the HDHP. The surgery I’m considering would blow the 20% deductible on the PPO out of the water and would end up meeting the $4000 out of pocket plus the higher premium