<prompt> Human: The TL;DR: Is it worth a potential extra cost of 1000 in health care bills to choose an HDHP instead of a PPO in order to get access to a HSA which I could use to start a federally tax advantaged my state will tax my contributions retirement fund? Context: I am mid 20s, making 22hour 45,000year, living in an area with one of the highest costs of living in the U.S.The yearly premium difference would be 200 favoring the HSA.The deductible difference is 1,600 favoring the PPO.The out of pocket maximum difference is 1,000 favoring the PPO.My employer is not currently offering me a 401k or other retirement account matching.I have an auto loan of 11,000 at 2.8I have student loans of 8,000 at 3.6I have a sufficient emergency fund.I am active outdoors, rock climbing, mountain biking, etc. so I could be considered at a higher risk for injury than others in my age group, but am generally healthy and have never had reason to visit the ER or doctors before except for preventative care.  <response>: Front load the account until you have 3-5k for an ambulance ride. Once day youll look up and itll be worth 10k. Another day youll have a balance due after insurance of 2k. Youll pay the bill and wont bat an eye. The HSA might just be the best way to save for medical expenses ever. 