The first method is to remain healthy and make sure you go for your yearly check-ups or physicals with a doctor. In order to remain healthy, you can make use of various wellness programs, exercise regularly, avoid unhealthy habits like drinking and smoking and also go for regular check ups with the doctor. Check for the coverage included in your medical insurance plan. If you find that it lacks coverage in certain areas then you can opt for health screenings which are free. By using these health screenings you can check your blood pressure, cholesterol and many other things and catch a problem before it costs more.

There are people who take medicines daily. These people can save money if medicine is ordered in bulk via an online pharmacy or through a traditional pharmacy. You can also ask your doctor to prescribe a drug which is less expensive (like a generic drug) in that category.

Always double check your medical bills. Many hospitals and doctors make mistakes in billing because of the numerous billing codes and medical procedures. There is also chance that the drug listed in your bill may be a different one, which costs more. If you are suspicious of errors, work with a medical bill negotiation company (recommendation below), they can help you get it corrected from the hospital. Incorrect medical bills can also cause many other problems because your insurance company may reject medical claims.

If you are married, then it would be better to take a single health insurance plan that covers you and your spouse. But, make sure that the health insurance plan that you take provides proper coverage for both of you. The advantage of the single plan is that you will pay less in terms of a premium than in the case of two separate plans. Certain plans also allow the addition of your partner after marriage. There will be a time period. Your partner will be added into the plan only after that period.

If the amount of money spent on medical expenses goes above a certain limit then you can be eligible for tax reduction for that amount. You have to list all the medical expenses properly in your tax form along with the proof. The deduction can be made only if the IRS gets convinced.

If you are using any medical aid for your disabilities then you can deduct these expenses from the taxable income. You have to show proof for these expenses. Medical aids include hearing aids, eyeglasses, insulin and many other aids.

Negotiation is another method which can help you to reduce your medical bills. You can ask for reductions in bill amount. But, there is no guarantee that it may work and it is best to work with companies that specialize in this. There are some health care centers which provide discounts if the payment is made up front instead of in payments.

Lastly, in certain institutions, the employer gives reimbursement for the medical expenses of the employee. For that, the employee must produce the medical bills on request by the employer. This amount will come under the flexible spending plan and they are exempted from taxes. If you know the coverage provided by your insurance plan correctly then you can make more reductions in your medical bill according to the plan. So, go through the plan thoroughly.