The HSA is the main advantage here. The HSA is absolutely an insane account. There is literally no better account. Its a triple tax advantaged account with no age limits. So you can put money into it to receive deductions, you use that money to invest, and when you spend that money you don't pay taxes. Its a ridiculously OP account and should be used 100%.

You're basically building a long term + retirement healthcare fund for yourself. It will save you a ton of money later because you won't have to spend after tax dollars on healthcare. Remember you can also use the HSA to buy a lot of things you wouldn't expect too like feminine products, tylenol, various services, genetic tests, massagers, dentures, etc.

To be honest a person is being really stupid if they don't use an HSA.