I believe GEHA is a little cheaper, about $260 a year $10 a pay period if you are paid bi-weekly. So your down to about $340 difference.

Unless you don't plan pn any medical care besides annual wellness (100%) paid for, in which you'd make the $340 difference into your HSA, I'd stay GEHA.

If for some reason you have a major medical issue or emergency, I believe GEHA has a lower Catastrophic limit and a low 5% copay on everything once your deductible is met.

You might want to check out Consumer Checkbooks Guide to Federal Health Benefits. It cost about $10 bucks, but they show you different calculations
and scenarios for your health care, dental, and vision needs.

I've used them for years. GEHA HDHP has the best option for me, however this year, GEHA Elevate tops my list on the Consumer Checkbook Calculation, with GEHA HDHP a close second.

Yes, I’ve decided to start going to the VA for my healthcare. I can not receive HDHP contributions for three months after I see the VA for anything other then primary care or treatment for VA rated medical condition.