18 ways to beat inflation

The 4% increase in health-care prices is in step with overall inflation. But you're feeling more pressure if your company is raising deductibles or slashing coverage. Keeping your costs down without cutting back care won't be easy.

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If your company gives you a choice, you may be tempted by the lower premium on a high-deductible health plan.

These work for some people, but you face more financial risk if you get sick, and you may have to pay full price for most prescriptions until you meet the deductible.

High-deductible plans are generally best for younger people without health problems; others should stick with traditional plans.

Potential savings: High-deductible plans could save you $750 a year in premiums. But if you get seriously ill, a traditional plan could mean thousands less in bills.

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