If you are young and don't have any ongoing medical needs or prescriptions, I would old for the HDHP. Remember that routine doctors visits are 100% covered in any plan, so you don't pay for those at all.

Ok, so the HDHP is about $325/year cheaper in premiums. Lets say you put that savings into the HSA also. Saves you an extra about $100 in taxes. Then you factor in the employer match. You now have $600/year that you are saving towards health care.That means for any given year, if you have less than $1600 in healthcare expenses, the HDHP will be cheaper. If you have less than $600 in expenses, then you can carry over that money for use in future years making the plan even better in comparison. If you contribute more towards your HSA, value further increases due to tax savings (and not to mention potential to invest).