Healthcare is one of those expenses that can burden you at any time. You might end up injured in your 30s and stuck with a host of medical bills. Or, a health issue might arise in your 50s, leaving you on the hook for countless copays as you go through different tests.

Meanwhile, you can pretty much bank on spending a lot of money on healthcare once you reach retirement. As people age, health issues tend to arise, and in some cases, more screenings and preventive care become necessary. And while Medicare will sometimes pick up the tab for such services, other times, it won't.

That's why it's so important to sock away plenty of money for healthcare spending purposes. And in that regard, you have options. You can boost your savings account to cover medical bills while you're working, or add extra money to your IRA or 401(k) plan so you have extra cash to tap during retirement.

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Source Fool.com