If you never get sick, definitely check out an HSA. Generally, your employer will contribute X number of dollars per month and you can contribute more money up to $2800 per year (at least that was our cap at work, I don't know if it varies).
Since you don't get sick, you can keep that money in a high yield savings account (e.g. HSBC or ING) and the money will keep working for you. Consider it as one more retirement savings account.
Just my two cents worth. In 2006, I had a host of medical issues and for the most part was very satisfied at the service that I received from the hospitals. There weren't people spilling out into halls, service was prompt at the emergency room, and from what I can deduce, all of the diagnostic testing that they put me through appeared to be right on par for what was needed.
On the flip side, dealing with those medical bills was definitely a nightmare and the whole process needs an overhaul.
My point is that I was quite pleased with my quality of care, but wasn't too impressed with the paperwork associated with those services. But your mileage may certainly vary.
__________________ Jim RunFatBoy - Exercise for the rest of us.
"The only people for me are the mad ones, the ones who are mad to live, mad to talk, mad to be saved, desirous of everything at the same time, the ones who never yawn or say a commonplace thing, but burn, burn, burn, like fabulous yellow roman candles exploding like spiders across the stars and in the middle you see the blue centerlight pop and everybody goes 'Awww!'"
-- Jack Kerouac |