Another option (though more labor intensive) is to shoot your subjects first, then the HDR. There are some tricks to this though...
The 1st shot, the one of your subjects, has to be on a tripod.
The tripod and therefore camera CANNOT move, ever! (at least until you're done:))
You have to have some PS skills.
When you come across the scene, and you think to yourself, "self, this would make a rockin' HDR!" set up your pod and compose. Then, photograph your subjects, exposing correctly for them. Forget about overall exposure, just get them right. Shoot in RAW so that you have max info available to you in the digi-darkroom.
After you shoot your subjects, direct them out of frame (if you know them or are feeling brave) or exercise that all-to-critical photog skill called patience and wait for the zone to clear. Then shoot your brackets.
Take it all back home and load up your fav software. Here's where it gets intense. Create your HDR of scene from your brackets. Do this first as you will have to match your subjects later. After you are happy with scene, bring in your subject frame. New layer...mask...clean. Your goal is to wipe out background but leave your subjects. Use a soft brush. Make transitions and blends look natural. Once your mask is good, it's time to breath life into this layer. Curves, channels and sat is the best way to go on this as well. (A work around is to open your subject file, create "brackets" within RAW, save as, then make an "HDR" from those new files. Try to match it to the true HDR of the scene, then proceed with the mask.)
This takes time, but will yield the results you're looking for.
You can also invest in a battery pack and a pro-level strobe with lightning fast recycle times, bracket burst fire on your loved ones, shell out the cash for burnt retina repair, and HDR blend those pics. Just saying...