What is best for my situation: PPO vs HMO vs HSA+HDPD – Young and healthy, but high risk sports?

Hi guys, started a new job and need to decide health insurance. My new job is offering insurance as benefits package, can you help me weight the pros/cons of what fits my situation the best?

My Situation

I’m 27 and relatively healthy, I rarely go to the doctor and only had 2 appointments in the past 3 years. In past years I’ve never hit my deductible (was $500 at old place).

My main concern is for emergencies, because I know how much going to the ER can cost (had a friend who had an ER bill of $10,000 from an accident but his insurance covered everything except $100 copay, but left him with half of the $800 ambulance bill). I travel out of the state frequently and participate in some high risk sports (climbing). So I have no chronic health conditions that require regular visits or meds, but I have a higher risk for accidents occuring in remote areas. Read: I am most concerned about out of network emergencies, so I have included both In and Out of network limits in my analysis.

Please correct me if I’m wrong in any of my interpretations.

My options

PPO

Premium: $1800 Annual

Deductible: (In) $300 / (Out) $800

Out of Pocket Max: (In) $1200 / (Out) $2400

Emergency: (In and Out) 150 Copay

Hospitalization: (In) 20% after deductible / (Out) 40% after deductible

Ambulance: (In) 20% after deductible / (Out) 40% after deductible

Primary Care/Specialist/Urgent Care: (In) $30-$50 copays / (Out) 40% after deductible

HSA + HDPD

Premium: $1200 Annual

Deductible: $1500 (In and Out)

Out of Pocket Max: $3000 (In and Out)

Emergency: (In and Out) 10% after deductible

Hospitalization: (In) after deductible In / (Out) 40% after deductible

Ambulance: (In) 10% after deductible / (Out) 40% after deductible

Primary Care/Specialist/Urgent Care: (In) 10% after deductible / (Out) 40% after deductible

HSA: Employer contributes $1000 for free, which I can then use towards unexpected primary care /specialists / urgent care visits.

HMO

Premium: $1250 Annual

Deductible: (In) $100 / (Out) No coverage!

Out of Pocket Max: (In) $1200 / (out) Infinity – No out of network coverage!

Emergency: No charge for In, Out Network is supposed to be covered at In Network level.

Hospital: (In) 10% after deductible, but need coverage / (Out) Tough luck, kiddo!

Ambulance: (In) $0 copay for emergencies / (Out) lol you better hope 911 sends the right ambulance

Primary/Specialist/Urgent: $25-$50 copays

Downsides: DOES NOT COVER OUT OF NETWORK AT ALL!! If I got in an accident out of network, the ER room might be covered, but tests, CAT scans, xrays (broken bones are a huge risk) would not be covered out of network!!

Here’s how i’ve interpreted each plan, and I want your feedback:

PPO

The most costly premium. If I never use health care, this will be the most expensive because it’s an extra $600 premium that goes to nothing. If I get in an emergency, it will save me a decent amount of money both In/Out since it’s $150 copay.

Best case I pay $1800 premium and don’t use any services.

Worst case I pay $1800 premium + $2400 Out Network Max = $4200

HSA

Saves $600 premium compared to PPO. HSA gets a free $1000 from employer, which I can use towards unexpected primary/urgent care visits. If I get in an emergency, it will blow my out of pocket maximum to $3000. At least I can put my $1000 HSA to it.

Best case I pay $1200 premium, and walk away with free $1000 HSA roll over.

Worst case I pay $1200 Premium + $3000 Max – $1000 free HSA = $3200

HMO

Saves $600 premium compared to PPO. Primary/Specialist visits also cheaper because of lower deductible. Biggest downside is NO out of network coverage.

Best case I pay $1200 premium, and don’t use any services.

Worst case I am on the hook for a big fat american health care bill and make the reddit front page.

Summary

I am leaning towards the HSA+HDPD right now because I don’t have any chronic conditions that require regular visits to doctor or specialist. While the HMO is nice, the only thing putting me off it is the risk of an out of network emergency, which i am rightfully concerned about because i do a lot of climbing and driving out of state. The PPO is very traditional, but I’ve never hit the deductible in previous years, so I don’t anticipate needing that coverage, plus the worst case out of network emergency costs more than the HSA. At least with the HSA I can walk away with $1000 (minus one or two urgent care visits) if I have minimal healthcare use.

Is my analysis correct? I may have misinterpreted things, so please correct me if I am wrong.