No...you will not! This is just not true and is fear mongering at best! They BOTH have a max yearly payout of around $6,000 max per year. The difference is WHEN you pay out. The HSA has you pay more first, and then less once you reach your deductable of $1200/$2400. The maximum out of pocket expenses are about the same within a few hundred dollars, $6000 for CDHP and $6127 for the PPO. The big different is when the money comes out of your pocket. With the CDHP, the money comes out of your pocket up front, before the insurance kicks in. The PPO, the money comes out over the course of the whole year.
Couple that with the much lower monthly premiums and I can't see where all the guys yelling at the top of their lungs that this is such a raw deal and slap in the face are coming from. I am not sure yet whether or not I will switch, but I'm leaning towards it. How can it be such a shaft job by management if many people are voluntarily choosing it? Have any of you spent time researching it, reading the documents or talking to HR about it, or did you just read someone else complain and jump on the bandwagon? It simply is not that much more expensive - even if you break a bone or get ill. Also, the company will put in $1000 into your HSA to start paying toward that deductable Jan 1. Once you get $6,000 into your account you will have no health care costs that year. Wellness visits are copay just like the PPO. If you get sick or injured throughout the year, the costs will be relatively close on each plan. If you don't, the HSA long term is MUCH better. So, how is this such a screw job on you?
P.s I do certainly realize that some have chronic conditions that this plan at first would not be good for, but how many fit that description? But even they will pay out the same max costs yearly, just more out of pocket first.