Negotiate
We will end up paying more from services that aren't covered to doctor and hospital co-pays to costs for prescriptions. Keep your costs low by shopping around and asking for generics whenever available. Don't be afraid to negotiate with your doctor if you're paying out of pocket. You might get a discount.
Unlike what many think, it is still very possible to get low cost health insurance in the United States. Especially now with the internet, you can get multiple quotes from many companies right away - this helps you negotiate and get lower prices.