I actually have an option for a PPO through my company. My part of the premiums would be over $2400 more for the year than with the HSA Plan I'm on. With my current plan, I pay about $150 a month for premiums, my employer puts $120 a month in my HSA which offsets most of that, then I put in an additional $240 per month out of my pay.

After last year I tried to figure out if I would have been better off with the HSA or the PPO (prior to that I hadn't had any major medical expenses since 2010) and figured out that I came out $2000 ahead by being on the HSA Plan.

It definitely isn't easy during the first part of the year, but once the insurance starts paying 80% it's not too bad.