What’s the difference between the Basic HSA, HSA Plus, Basic PPO and Classic PPO medical plans?

All four plans use the same network of providers, cover the same services, cover preventive care at 100% and protect you against major expenses. Both PPO plans are copay-based plans with coinsurance. Both HSA plans are coinsurance-based and paired with a Health Savings Account (HSA). XPO contributes to the HSA Plus plan ($500/$1,000) based on coverage level (Individual/Employee + One or More, respectively). You can also contribute to the HSA Plus to help cover out-of-pocket expenses with pre-tax dollars.