When you examine your health plan options during open enrollment season this fall, you may get sticker shock from the increases in both the premiums and the cost-sharing for services. Even benefits that are increasing under the health-care overhaul may come with financial strings attached. If you’re one of the roughly half of workers with a choice of more than one health plan, or if you’re just trying to gauge what you may have to pay to keep your family healthy next year, here’s what to look out for:

• Higher Premiums
• Higher Deductibles
• More Coinsurance
• Extra For Dependents
• Emphasis On Wellness