I think what's stumping me is that we'd basically be paying $100 more a month, for worse insurance, just for the ability to stash more tax-free in the HSA. Sounds dumb when you put it that way. The new job has no 401k either so its tough to stomach the immediate loss of 20k of tax free space. After stewing on it I'm leaning towards the splitting into individual HDHP/HMO plans.
Thanks for that website! So easy.