<prompt> Human: Ive been going through older posts on the subject but was hoping I could get some feedback regarding the specifics of the two plans Ive narrowed down to. I have done my research on the difference between the two insurance but because this is my first time doing health insurance paper work for myself, I wanted other peoples opinion and thoughts on which option to take.Small information about my self, Im a healthy young person that has never been hospitalized or had any medical condition. HDHPHSA vs PPO Contribution My question is which plan is more beneficial for me. If there are any missing information I will try my best to answer.  <response>: If you do not expect to have ongoing medical expenses, the HDHPHSA is a clear winner. Does your employer contribute to your HSA?Also, consider using the HSA as a retirement vehicle. The HSA can be a great investment account, and you can save medical expense receipts and cash them out of your HSA years in the future for tax-free withdrawals. HSA route is bad if you plan to have consistent, ongoing health expenses, though, which it doesnt sound like is the case for you. 