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Health Care Reform:

Health Insurance & Affordable Care Act

11 Tips on Curbing Your Personal Spending on Doctor Visits and Medical Tests

Cutting Health Care Costs: Doctor Visits

10. Don't skip your flu shot.

"That would be such a small cost compared to such a large potential benefit of not getting flu and the costs associated with those medicines," Goldstein says.

Getting a yearly flu shot is the single best way to prevent flu, according to the CDC.

Of course, adults need other vaccines, too -- and as the saying goes, an ounce of prevention is worth a pound of cure.

11. Don't leave money in your flexible spending account (FSA).

Dec. 31 is right around the corner, so Joel Zive, PharmD, vice president of Zive Pharmacy in the Bronx, N.Y. and spokesman of the American Pharmacists Association, reminds you not to leave money in your FSA.

If you have an FSA to help cover your medical costs, it's "use it or lose it" -- you have to use that money by year's end or it's gone for good.

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