My research indicates HSA+HDHP is mostly for healthy younger people (lol), but I wonder if the HSA is more of a benefit for mental health since the payouts are usually so stingy

HSA+HDHP has gotta be cheaper for my company with how hard they're pushing it, but it's so difficult to calculate mental health payouts I feel like I'm rolling the dice

I'm looking at the documents more, and it doesn't actually mention HDHP, it says “HSA PPO,” which according to my research shouldn't be possible?