The lower deductible might work in your favor if you plan to reach your deductible year after year
It also saves you from having to pony up your entire deductible if something major happens towards the beginning of the annual cycle
Even if you did do the traditional plan, would you still qualify for the HSA, even if the company doesn't contribute at all? The pretax benefits are worth it IMO.
If you go the route of the HDHP, be sure to contribute enough to it to pay all your anticipated costs, it will save you on tax the same way.
Someone chime in if I'm wrong on anything, I'm far from an expert on insurance
This post was edited on 11/12 at 5:22 pm