Reconnecting the cost to the decision maker but be the next step. For the last two years I have been on a high deductible account with a pretax health saving plans and has really changed the way I purchase healthcare. I still get anything taken care that I really need but I asked questions like "will that test change my treatment?" and "is there a cheaper medication I can try first?". I don't go to the Dr if I have a cold because it will cost me $100 bucks and they can't help.

Because the money is my health savings account I can still pay for any medical treatment I actually need I am just more conservative about what I get and I don't just do what ever the Dr (who lets be honest is part salesman) tells me I need.