1. Shop for the best health plan.
2. Consider a high deductible (HD) plan — I think HD works well for some people, especially in combination with a health savings account (HSA). However, I don’t think it’s a good fit for parents-to-be, new parents, and people who need a lot of medical attention.
3. Take advantage of perks offered by your health plan.
4. Bring a list of covered prescription medications (”formulary”) to the doctor.
5. Be willing to ask your doctor about the cost and seek less expensive alternatives.
6. Stay up-to-date with routine and well-child checkups.
7. Stay in-network.
8. Slice your pills into two halves — Teri said that it might be possible to slice high-dose prescription pills to save money. Be sure to clear this with your doctor.
9. Look for special services — this is the same thing with #3?
10. Wear helmet and protective gears.

full list via moolanomy