Avoiding medical costs is great, to the extent that you can avoid them. Unfortunately, for some of us, we don't have much say in the matter. I keep myself relatively thin and healthy (I am no Iron man but I am ok) but I still get sick sometimes. I play sports and occasionally have minor injuries that need attention. The best I can do is suck it up and be prepared to dole out some cash. I realized that in this economy, I need to find ways to put away more money for retirement, (and for emergencies). What I did:
1.I cut way back on eating out. I am having a year of putting away money hard, and food was a huge portion of my budget. I save about an extra $85 a week now, and eat healthier and better. Ditto for others if you spend a lot of money in bars.
2. I now put away the maximum amount in my 401K (4% for me) that my employer will pay into the plan as a match. It is free money and dumb not to do it. It was basically a raise I gave myself.
3. I need life insurance to protect my 2 daughters, but I got rid of a $305 a month whole life policy for a policy from LifeAnt insurance and now I only spend $18 a month. I save the difference to my Roth IRA account in vanguard funds. If you are unfamiliar with this and want to learn more watch shows or read articles from Suzey Orman or Dave Ramsey sometime they basically recommend it multiple times every show.
There is no other choice for someone like me (almost 40) who wants to be comfortable in retirement, and have money for emergencies.