By Cameron Huddleston, Former Online Editor August 27, 2009 By Anne Kates Smith, from the September issue of Kiplinger's Personal FinanceIf you're lucky enough to still have a job and benefits to choose from, you may soon find a stack of paperwork on your desk courtesy of the human-resources department. As open-enrollment season arrives, resist the urge to default to last year's selections, especially when it comes to health insurance.Choose carefully because your costs will likely rise again this year, from 7% to 12%, according to Sara Taylor, at Hewitt Associates. The old rule of thumb -- that employers pick up 80% of premiums and you pick up 20% -- is now closer to a 70-30 split, says Scott Ziemba, a senior consultant with benefits giant Watson Wyatt. With higher deductibles and co-pays factored in, you're approaching 60-40. Sponsored Content That's reason not to gravitate toward the "Cadillac" health-care plan -- the one that covers everything, has the lowest deductible and reimburses the most. A plan with lower premiums that comes with a higher deductible and higher co-pays -- especially one that's coupled with a tax-advantaged health savings account -- keeps more money in your pocket each month and may prove sufficient for your medical needs. These days, more such plans cover up to 100% of preventive services, such as physicals and immunizations. Take advantage of more freebies this year, plus incentives to stay healthy. You may get discounted premiums or a gift card in exchange for undergoing a health-risk assessment or for participating in programs to stop smoking or step up exercise, for instance. Expect your spouse to be asked to undergo a risk assessment, too, if he or she is covered by your plan, and don't be surprised if the plan is audited to weed out ineligible dependents. Health-care reform might result in some bennies being taxed, but probably not next year.