Rupa Mehta, 45, a working mother of two, based out of Mumbai, receives an unexpected bill after her sudden gall bladder surgery at a nearby hospital. Though she had health insurance, the out-of-pocket expenses piled up quickly, adding stress to the already challenging situation. And this is not a lone incident. Such stories are common. A lot of individuals and families face significant out-of-pocket costs when accessing healthcare. However, you could always take some proactive steps to reduce and manage such expenses.