re: HSA vs. PPO? Sell me on HSA

I like the triple tax advantages, the $750 employer contribution and 1040 line item deduction, line 25. Speaking generically, but likely applicable to most, it is like a Roth medical savings plan + the contributions are deductible with the exception of I think 3 states. If the plan does not have good investment features it likely allows one to roll/transfer contributions to another administrator that has better options. You would need to evaluate it with the other insurance options offered to ensure it is the best thing for your family. Like others, we cash pay and build the account for future medical/dental/prescription costs.