Years ago, I selected a lower-cost high-deductible health plan with my employer and opened an HSA account. Best move I ever made with my health insurance. Now I'm building up serious money to offset out-of-pocket expense as my contributions are well in excess of my maximum deductibles - which I rarely reach anyway.
What that means is no out-of-pocket medical expenses anymore while I build a nice little nest egg that I can tap into when I'm older.
Just make sure it's an HSA (Health Savings Account) and not a FSA (Flexible Spending Account) as FSA's are much more limited and are usually "use it or lose it" type accounts. Also, FSA's aren't as portable should you change jobs.
There are IRS penalties for contributing “too much “ of your own money to an HSA. The repubbie are trying to get it lifted (removed all together ), but Ryan and now Pelosi oppose.