Which health insurance should I choose (pics below)

27M - I go to a therapist biweekly and have some minor knee problems I want to get taken care of. Why are HSAs valuable?

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Go for the PPO that will make payments on therapy and PT for your knee the cheapest

HSA plans allow you to contribute pre-tax dollars into a savings account that you can then withdraw healthcare related expenses out of tax-free all of which lowers your taxable income. This savings account can also be invested with the funds never expiring which many people will use as a supplemental retirement account. You cannot contribute to a HSA whilst enrolled in a PPO plan.

For most young people with low medical utilization, high deductible plans are cheaper and will save the most money since you are less likely to need to use your insurance while you're healthy. Since you seem to be in a position of using your insurance, the PPO will likely save you the most.

Is biweekly every other week or twice a week? How much does each visit cost?

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