Ask HN: small startups, what do you use for health insurance?

Do you use an HSA, or pay pricey premiums? I live in NYC, and (for me and my wife, who may try to start a family next year) am looking at plans of about $1.5-2K a month (assuming a child/children). As a couple only, it's about $1,300 a month. =/ What would you guys recommend in a situation like mine?