Assuming she is on her own, I'd recommend the employer PPO insurance to start. The risk of the HSA at her age is that without savings, she could end up on the hook for thousands for the deductible in the event of a hospitalization, accident, etc. at a time in her life where I presume she does not have much savings. Or are you and DH willing to cover that risk for her?
If she went with the PPO/$300 deductible for a couple of years at which time she would have a stash for meeting the deductible, it would be a better choice.
Of course the benefits of each should be compared closely, etc.
San Francisco Area
ESR'd March 2010. FIRE'd January 2011.
As if you didn't know..If the above message contains medical content, it's NOT intended as advice, and may not be accurate, applicable or sufficient. Don't rely on it for any purpose. Consult your own doctor for all medical advice.