My company just restructured our premiums to be a % of salary, which for most people lowers the premiums fairly significantly. In the process of restructuring they made the PPO plan and the HDHP plan the same cost. The PPO plan has no deductible in-network so essentially every doctor visit is a $25 copay with some other things like emergency room visits and outpatient surgery being $0. The out of pocket max for the family plan is $5k (same for HDHP), although I can't fathom how anyone would reach that with the PPO.
The HDHP has a $3,000 deductible for the family plan, and after the deductible is met there is $0 out of pocket costs for everything except prescriptions that go to a small copay. The company will contribute $1,500 toward your HSA account if you choose the HDHP option.
I have a young family (kids are 4 and 2) and we may have another soon, so doctor visits and things tend to be fairly regular and I am mentally prepared to reach my deductible most years. With that said, is the HSA still worth the out of pocket cost each year for the tax savings in the future? I would plan to max out my savings therefore would save approximately $1,200 in taxes, but i would also plan to cash flow my expenses and not touch my HSA fund.