In recent years, I more often than not work for myself. That means that I don't have an outside employer, per se. But I have some good news for those of you who do, (which I'd venture a guess is most of you.)
I actually just became aware of FSAs—Flexible Spending Accounts, which are set-up by your employer so that you can contribute some of your pre-tax dollars to health care expenses. (The maximum this year is $2,750.) What a fabulous perk of working for someone else!