Well, the HDHP serves as a lower cost plan for the employer to offer. If you are younger and healthy, you may want the cheapest plan but enough coverage to take care of the big ticket items like a long hospital stay and such. If you make decent money, you may opt for the PPO since it is marginally more for each check but you do have more choice of course. Also, check that HDHP plan of yours. Rx drugs are covered after the ded usually, so if one is on medicines that may not be the best plan.