This past year we had a lot of medical expenses. I was having my teeth cleaned and lots of check ups due to my braces. We ran out of dental insurance really quick it seemed but hubby was really smart. He signed up for a health savings account. I didn’t know what it was for but it allows you to save money tax free to pay for medical expenses. So it lowers your taxes on your income and you can pay for health services tax free. You know how I love free! You might want to check into it for 2010.