That looks different than what I'm used to. Your PPO doesn't have standard copays, it's still after deductible. Only your first 3 visits are $65. I'm used to seeing a PPO where you always have copays. This basically looks like the HDHP plans with slightly different rules. It's practically the same. How often you go to the doctor will determine which is better so you'll have to do a guestimate of how often you'll go to the doctor in a year and what kinds of doctors and what that'll cost under each plan. Then take the difference in premiums and add that too.

HSA money is tax free. So if you know you have a certain amount of medical expenses for sure, you can contribute that tax free money to your HSA and use it when you have medical expenses. You can also invest that money and use your HSA as sort of a retirement account so it's usually recommended to max out your contribution and do that.