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Based on these facts it is absolutely necessary preparation for optimal health costs, especially when we beada cost of productive age and when we retire. To let us prepare an objective, in this case not easily swayed by the blandishments dealer.Here are tips for preparing for medical expenses:Health costs should be prepared long before the disease came, earlier the better! Prepare since you started working. Why? Because these costs are significantly if not used can be a backup of your health costs by an amount large enough at the time you retire at age 55 years later. So do not be late in terms of preparing health care costs.Speaking on the health costs of working age or age, there are two things you should consider, first you absolutely have health insurance (to transfer the risk in the event of illness and hospitalization) and second you must make an investment in the form of mutual health funds in preparation for the shortfall of health insurance in the event of hospitalization.