Here's the short answer...
There's nothing better, if you are the premium payer on your individual, family, or company sponsored health insurance program, than shopping your plan and rates, like you should on everything else in your financial world, and taking advantage of the best (and newest) plans the top carriers offer. Those rates are generally the most value oriented, and of course, haven't generated lots of claims yet to drive rates up. Check to see if the plan includes maternity and other benefits you may not need, and don't want to pay extra for. Keep yourself healthy, and that keeps you in the cleanest pool, with the lowest rates increases. By paying attention to the premium/out of pocket maximums (or having your professional agent do that) you'll get a much better plan and rate structure that's suitable to your particular health care needs, than, say a "one size fits all everyone pays more for no choice and bad care national single payer doomed to fail system".
Oh, and you can "invest the difference" in your savings and have that pay for your Long Term Care Insurance. The government has made it clear it won't be paying for any of your costs of care.
NOW THAT'S HEALTH CARE REFORM.