When all else fails (and even if it doesn’t), try lowering your healthcare costs by negotiating with your various providers. It may seem impossible, but it can work.

The key here is to look and act like a savvy consumer. Here are a few helpful hints on how to be a great consumer and healthcare negotiator:

• Do your homework - As with anything else, the successful haggler takes the time to research the products or services involved. Knowing how much you have to pay going in will give you more knowledge when asking for a better price.
• Smile - Always remember the saying about catching more flies with honey than vinegar.  Likewise, you will get more results if you are pleasant while negotiating.
• Don’t be afraid - Car shopping is generally uncomfortable and unpleasant mainly due to the haggling involved. You won’t get very far, though, if you don’t get over your fear to make a deal. It’s guaranteed that the meek may inherit the earth, but they won’t have lower health care costs.
• Shop around - You don’t have to settle on one hospital, for example. Explore other options in your area and find out which one works best for you.
• Explore alternatives - Whether or not you lower your healthcare costs, find out if free financing or extended payment options are available. The only thing sweeter than paying less for something is not having to pay for it right away.