If you’re young, healthy, and not hoping to give birth anytime soon, one of the best ways to save money is to go on a high-deductible health insurance plan with a Health Savings Account (HSA).

Many large employers offer high-deductible health insurance coverage as the employer-sponsored plan with the lowest monthly premium (that’s your monthly cost), and pretty much all marketplaces offer HSA eligible health insurance plans. If you run into medical trouble, you might pay more, but on a month-to-month basis, you’ll pay less.