Not in your test case, but a problem with many HD plans is that they have grown their deductibles faster than IRS rules for the plan to be HSA eligible (current

Not in your test case, but a problem with many HD plans is that they have grown their deductibles faster than IRS rules for the plan to be HSA eligible (currently $7k max single person deductible). So HSA eligible plans end up costing more than HD plans which further complicates the issue. Of course, leave it up to the IRS to take something that should be a good thing, and put rules around it that make it hard to use.