Back in 2009-10 my small firm used to pay about $1300 for a family (spouses + kids) in CA. This was for an HSA plan with United HealthCare and we did a considerable amount of research before deciding on this plan (not the cheapest, not the most expensive). I'm not sure if this is the same in NY, but I would max out your HSA account before getting pregnant for an efficient tax use of that type of account.