For reference, I am M27 and my employer is now offering a HDHP as well as an HSA option. I am currently on the standard PPO and already taking part in the state pension plan, 457b plan up to the employer match as well as trying to max out my Roth IRA each year. I believe my total Retirement savings rate including employer matches is around 32% of my gross income.

Switching sounds great for the triple tax advantage of an HSA, however I am concerned about switching from the PPO as I have an active health condition (Condensed Vein) that is currently being monitored and could require surgery in the future.

I do have a 6 month emergency fund I could utilize ($16.5k) for medical expenses and I'm sure eventually an HSA would help with that as well. However I am worried in case I have a major medical expense my first year before my HSA is able to grow.

My employer does provide a $200 per month contribution for the HSA and I plan to contribute around $80 per paycheck to get me to the individual IRS maximum.…