I am not a big fan of HSA plans for the average income person. The only people that have them in my company are the sales guys making $200K plus per year. I have a small business and the price you are paying for family coverage is not really that far out of line. Here is our layout and the plan is not very good, but the only one affordable to my lower income employees.

Blue Cross Plan - we pay half of employee only

employee only $546.32
employee plus spouse $1092.64
employee plus children $1010.69
family $1557.01

I suggest maybe putting your son on his own plan as long as he is healthy or at least look into it to see if there is some savings.

jealous