If available from your enterprise, take into account registering for a cafeteria prepare to improve your health care charges. These programs let you put aside a regular amount of money into a free account especially for your healthcare expenditures. The benefit is the fact this money will come out of your bank account pretax which will decrease your altered gross earnings saving you some cash appear income tax time. You should use these rewards for copays, prescriptions, deductibles and in many cases some non-prescription medicines .