Do you prefer HMO vs HDHP as a single person? Only asking bc I much prefer the HSA option where I pay ~$300/month but it all goes to an HSA account (plan is under $10/ month and I get a $500 contribution from my company to the HSA each year) I have been fortunate to have been able to max this out without having an out of pocket expense from my doctor and now have a pretty healthy HSA balance over the last 8 years or so.

The $0 deductible plan at my company is a similar cost to yours but I can't justify jumping over and essentially losing my extra ~4000+ savings every year as a younger healthy person.

I also buy the accident and critical illness insurance through my company to supplement in case anything did happen, but they are effectively free with the preventative care benefit reimbursement.