The recommendations provided by Nayya are based on multiple factors, including both the answers you provide for the questions, as well as high-level financial and health data pulled from a variety of public and private sources.
Unfortunately, for privacy reasons, we aren't able to look at the specific factors that ultimately affected your recommendation. If you click into the plans on the final Benefits Bundle page, we do offer some insight into why we chose specific plans in your case. (You can also, if you like, re-take the survey any number of times to see how different answers you provide may lead to different recommendations.)
Ultimately, Nayya's recommendations are just that — recommendations based on what we believe makes the most sense for you. However, you are free to choose whatever health plans you decide, especially if you know that a HDHP/HSA plan has worked for you in the past.