We have small group health insurance. Our policy cost $565 per month last year for employee, spouse, and children (this is a high deductible PPO with Blue Shield) and this year they are raising their prices to cover preventive care and the same plan (that now includes preventive care at no extra charge) went to $690. We switched plans to one that cost $640 per month, which has a higher deductible but lower maximum out of pocket. Since my husband and I own the business, the share of cost from employer and employee doesn’t really apply.