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    HSA-Eligible HDHP vs PPO Comparison

    Factor in premium differences, HSA tax savings, and expected usage to find the better deal.

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    HDHP advantage (negative = PPO cheaper)
    -$2,120/year
    HDHP total cost (after HSA savings)$4,880
    PPO total cost$7,000
    HSA tax savings$720

    A positive number favors the HDHP. HDHPs shine for low utilizers who can fund an HSA; PPOs often win for those with predictable high usage.

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