The most cost-effective way for our family to do our Medical Benefits is for my daughter & I to go through my employer's insurance and for my husband to solely go through his employer's.

His benefits remained stable within $2-3 per paycheck more being taken out.

For my benefits, I had more significant changes:

Medical increased $134.40 per year.
Dental icreased $22.80 per year.

Vision Stayed the same.
My Family FSA deduction stayed the same. I put in 2/3 ($3666.67) and my employer contributes 1/3 ($1333.33).
Employee Death & Dismemberment Stayed the same.

The most significant changes were to the Employer contribution to my HSA. In 2016, it was $1500 for the Employee + 1 plan, in 2017, it decreased to $1000.

I also added Group Legal, which we will use to get our wills, medical directives, etc completed. For the year, several hours of legal work will cost $254.88. Since we have the little one now, our wills would be more complicated and we want them to be clear.

So overall, the change in costs between 2016 & 2017 is a $912.08 increase for the year. Without the added legal benefit, the cost increases $657.20 per year.

That $500 loss of HSA money from the employer really hurt. People were not happy.