Make a deal If you've got a steep deductible or costly co-pays, ask your doctor or dentist if he'll lower his fee. About six out of 10 of adults who negotiate with their health-care providers succeed in nabbing a better rate.
Go generic You can typically cut your prescription costs by at least half if you go with the generic version of a medication instead of the brand-name drug.
Be flexible Add up your co-pays, deductibles and other out-of-pocket medical bills from last year to figure out how much to put in your health-care FSA. For every $1,000 you contribute, expect to save $300 or so in taxes.
