<prompt> Human: Heres my situation: Two years ago I was hit by a car while working. My back was broken in two places and, among other things, I sustained a compound fracture in my left leg. These two injuries will be with me for the rest of my life. I got a small settlement, I saved it and invested it. Im trying to keep that money off-limits in case of further expensive complications. The specific financial issue I want to discuss here is the cost of monthly upkeep and preventative care. The small company I work for doesnt offer health insurance, so I have to pay for my own. None of the healthcare plans I can afford include the care that helps me most chiropractic, massage, etc.. Right now, because Im required to have insurance, we pay for that AND we have to pay out of pocket for the care that actually helps. Somedays I just sit in pain because I know we cant afford to pay for the massage therapist or chiropractor. I know that some might think Im too picky about my care. Ive been down the other road and Id prefer to pay for my own care if it will actually help with my chronic pain. The point here isnt to save ALL the money, though that would be nice. Im looking for a solution that will at least balance effective care that actually relieves my pain and a more affordable option. I want to know if Im not taking advantage of something. But, if thats not the case, I want to know what my options are for setting up a more sustainable system to take care of the monthly upkeep costs of my healthcare.TL;DR: I have chronic pain and cant afford insurance that covers the care I need. Right now I pay for insurance and pay out of pocket for the care that actually helps but is not covered by my insurance. I want to know if Im not taking advantage of something.  <response>: Another vote for Flexible Spending Account. Youre going to have to pay for those kinds of treatments out of pocket anyway. But at least you wont get taxed on the money you spend for it. So lets say you put 1000 into an FSA. Depending on your tax bracket and how you have your taxes set up, you at least have around 280 in your pocket. Can someone else explain lowering your taxable income better? 