The HDHP costs less (premiums *12) and you get a $500 contribution so it's the better choice if you don't go to the doctor much or have any medications. You also get the tax savings if you contribute to your HSA so based on what you described the HDHP is better.
Are you not staying on your parents plan until 26?
weightcantwait t1_iuig6ek wrote
Reply to Need some help deciding between a PPO or HDHP plan. This is my first time enrolling so it’s a bit confusing. by Mclovinshamster
The HDHP costs less (premiums *12) and you get a $500 contribution so it's the better choice if you don't go to the doctor much or have any medications. You also get the tax savings if you contribute to your HSA so based on what you described the HDHP is better.
Are you not staying on your parents plan until 26?