greenteadrinker ,

You’ll probably need to provide more details about the premiums, deductibles, and out-of-pocket maximums of PPO vs HDHP, projected healthcare costs (at least your current year costs so far), and how much you are able to stomach for the cost now vs later

PPO might be better if you can stomach the premiums and hit your deductible early enough. HDHP might be better if you can stomach the higher deductible and reimburse yourself years down the line after your HSA has had some time to be invested and grow from its investments

It’s hard to say without concrete numbers and only going based off thoughts and feelings

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