Consumer Directed Healthcare

I have read that individuals with HSA’s face financial disincentives for out-of-network services similar to those faced by individuals in more comprehensive plans because any costs incurred by an individual with an HSA for out-of-network services do not count toward meeting the high deductible.  Only in-network services count toward the deductible or overall limit on out-of-pocket costs that high-deductible plans attached to HSA plans must carry.

 I’m currently receiving PPO healthcare coverage through my employer.  If I were to switch to a HDHP with an HSA, would I have a greater choice of doctors and other providers than I would currently with my PPO plan without facing greater financial penalties?