K.D.
I only read a few of the answers but I wanted to help you get something straight. I am in HR and I help put these types of packages together. HSA is not a credit card. That is a a FSA. Its called flexible spending account. The FSA is where you choose to put so much money per pay day into a account which is usually associated with a credit card and then you use this credit card to pay for all your medical expenses pre tax. It is used in conjunction with your PPO. HSA is an account that is not associated with a PPO. YOu basically choose to not have insurance and with the HSA you also put money into an account pretax and then when you have a doctors visit, you pay for it and them apply for a reimbursement from the HSA account. I have seen some companies put this onto a credit card but its rare. Also the FSA is preloaded with your full years amount. So if you say I want $5000.00 this year for my FSA then in Jan you have $5000 to spend. With the HSA you only have access to the money as you pay it. So if you say I want to put $5000 in this year then in you will have $416 per month added to you account.
If your PPO premiums are high and you have the money to pay for doctors visits and can afford to wait to get reimbursed, then HSA is a good deal.