re: PPO vs HSA high deductible

FSA's are shite. I guess if the employer matches it and you remember to use it, it's got some tax advantages. But HSA's are a fantastic option for young people. Note to the OP. Self insure your scrips if you can, until you've built enough in the HSA account to cover a few years of deductibles. You'll be amazed how much of an advantage it is to not have worry about a catastrophic illness wiping you out financially.