Dear neftv,
HSA is overall a good option for healthy individuals who don't go to the doctors much, so I would say yes, you are going about it the right way.
As for the difference between the $2500 & $3000 deductible, other than the fact that the plan with the higher deductible should save you around $250 a year in premiums (which means in 2 years you would save the $500 difference in the deductible by paying lower premiums), there isn't a lot of difference.
Both carriers you have mentioned are well reputed, stable carriers, it is just that Aetna is PA based and not likely to leave the Individual market in PA!
As I always say, it doesn't cost you anything extra to consult with an agent, so whether you reach out to a local agent or a licensed online agency, as long as they offer plans by the leading carriers in your state, you'll have a chance to compare your options & have all your questions answered.
Sincerely,
Amir Mostafaie
I know Aetna is strong in PA but there dental does not cover those white fillings that I use when I have to. I was hoping for a complete solution in some way.