C.S.
Not sure if this will help, but we just went through open enrollment as well and our company offers three plans thru UHC.
Traditional & 2 higher deductible plans with HSA's. All of the options have a PPO attached to them, (with in/out network option).
We went with the highest deductible option which is $6,000, (with our company off setting it by chipping in $1,000.-so really it's 5k). Per check it is the least amount taken out: $66.58 over 26 checks. Then I'm taking the difference between the $66.58 and what the other HSA option costs per check, ($175.) and placing that into our HSA.
Our out of pocket max is 11K-this year we are going to average about 7K by year end.
That all is of course in network-out of network pricing will make your nose bleed. :)
My biggest concern is being able to go to the dr we need to go too and luckily the PPO provides that.
Hope that helps.