If you're young, in good health, and don't have a lot of regular medical expenses, the HDHP with HSA is one of the best investments you can make in your future.

• HSA contributions are tax deductible (every dollar you put in through payroll deduction is a dollar you don't have to pay taxes on; similar to a Traditional 401k)
• HSA investment growth is tax and penalty free if used for medical expenses (similar to Roth IRA)
• HSA disbursements for medical expenses are tax and penalty free
• After age 65, the account basically turns into an IRA that you can use for whatever you want.

The HSA plan is basically made for people like you.

Just note that the premiums do not go into the account. The premiums are what you pay for the insurance itself. HSA contributions are above and beyond that.

EDIT: One other thing that I would add is that this is not a forever decision. If you are expecting a year with a lot of medical expenses (e.g., if you find out you're having a baby), you can switch to the PPO for a year during open enrollment then switch back to the HDHP+HSA when things settle down. The HSA and all the funds inside are yours, regardless of if you maintain that particular plan, stay with the company, etc.