Our health insurance plans are funded by our organisations and each of us. By keeping our medical expenses under control, we contribute to the long-term sustainability of the plans. Besides partially funding our health plan, we can also help keep our plan sustainable by reducing our medical expenses to a minimum. This benefits everyone enrolled in the plan. The lower the total bill, the lower our out-of-pocket expenses will be. And the lower our out-of-pocket expenses, the longer we can benefit from reimbursements before our coverage ceiling is met.