The HSA or HRA account which are similar would be major steps forward to lower the cost of healthcare.
My wife and I have had an HSA account for 15-20 years now, we have accumulated over $50,000 in the account tax free and tax free from any interest it earns.
We combine that with a high deductible policy and pay under $700/month for insurance, the deductible is $5000 but you can pay that out of the HSA account.
5 years ago I had hip replacement surgery and paid the $5000 deductible and never saw another bill.
I also take on prescription for blood pressure and pay $5/month because of the drug price my insurance company has negotiated..
Plus, if you leave your current job or get laid off, you can keep your insurance
Where do you get an HSA?