lower premium and higher deductible, and put away as much money as you can in the HSA. I guess the best way to calculate is to calculate the annual difference in premium between the two (say $250/month vs $500/month as an example) and try to guess based on past experiences if you'll end up racking up medical expenses enough to justify the higher premium. Usually if you never/rarely go to the doctor, and pretty much always for routine/preventative care, then there's no need for a low deductible and/or more comprehensive coverage; only when you start to have regular costly medical expenses does that start to make sense.

Do the math, though, since sometimes the numbers add up in such a way that one plan ends up actually being more valuable (like a plan has a much lower deductible but only costs a little more each month, or something like that).