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Based on your situation, an HSA-eligible HDHP is likely the better choice for you, given:

1. Your age and health: As a healthy person in your late 20s, you're less likely to need frequent medical care.

2. High income: At $200k, you can afford to pay out-of-pocket expenses and maximize HSA contributions.

3. Tax advantages: With your high income, the triple tax advantage of an HSA is particularly valuable.

4. Long-term savings: The ability to invest HSA funds for future use is a significant benefit.

5. Minimal premium difference: Since both plans are covered by your company, you're not losing money on higher premiums for the HDHP.

The main trade-off is higher out-of-pocket costs for immediate medical needs. However, the long-term benefits of the HSA likely outweigh this, especially given your financial situation.Key considerations:

• Ensure you have enough cash flow to cover the higher deductible if needed.
• If you proceed with the surgery, you'll hit the deductible, but the tax savings and long-term investment potential of the HSA could still make it worthwhile.
• The PPO might be preferable only if you anticipate multiple moderate medical expenses in the coming year.