<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.PPO detail HDHP detail PPO vs HDHP HSA 1,500 vs 5,000 deductible 3,500 vs 6,450 out of pocket max 2,171 vs 1,796 yearly premium cost No employer contribution to the HSA as far as I know.In the listing of common medical events, the HDHP shows no charge for just about everything while the PPO shows copay between 15 to 150 and 20 coinsurance.Im in my 20s and have had no serious medical conditions so far.I get that if I continue to have good health, the money I invest in the HSA can become a nice nest egg over time. However, the main thing holding me back from going with the HDHP HSA is that I already save quite a bit into my 401k and IRA. I dont need any more money going into tax advantaged investments that I cant touch. Ive been investing money in my taxable brokerage account with the intentions of using it within 5-10 years.  <response>: With that high of a deductible and no employer contribution, I wouldnt do it. It would take you more than a year just to contribute enough to meet your deductible. 