Health Savings Accounts
An employer can put funds into an account that a family can use for un-reimbursed medical expense dental care, optical needs or prescripton drugs. Funds can be set aside for one one year and in some plans unused funds can be carried over from year to year. Employees can estimate how much medical expense they will incur in a year and put aside that amount.
For a long stay in the hospital and expensive procedures a $5000 or $10000 high deductible insurance policy is advised.