$1,500 for an individual HDHP is way on the high end, even for SF. Was the group full of 60 year olds? If it’s young people, it should be in the $500 range at most.

This was the quickest data I could find:

https://www.valuepenguin.com/best-cheap-health-insurance-cal...

Also, what is a rollover HSA match? Any HSA contributions don’t come from the insurance company so I don’t see why that would affect the premium.