re: HSA vs. PPO? Sell me on HSA

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Is your employer taking out your share of the contribution pre-tax? If so, then you can't take an additional deduction on the 1040.

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You are on point, I had former self employed HDHP HSA on the brain. Still most employees would receive the tax deduction via reduction of W-2 wages for a Roth-like account.

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I assume by triple tax advantage, you mean, it comes out pre-tax, it grows tax-deferred, and it comes out tax-free if you use it for medical expenses?

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Primarily, yes, but many don't seem to grasp that the contributions are exempt from Fed and state taxes, + the 6.2% employee FICA burden, which obviously puts it a step ahead of a Roth IRA unless one is paying with money earned in excess of the FICA upper wage threshold or other income or savings sources. As mentioned 3-states (AL, CA, NJ) currently don't allow the HSA state tax exemption on contributions.