Have questions about open enrollment on the Affordable Care Act health insurance marketplace? We’re here to help. Submit your questions to MONEYQUESTIONS@YAHOO.COM and they may be answered by our experts in an upcoming Yahoo Finance Facebook Live Chat Tuesday, December 5, 2017 at 2 p.m. EST.

Getting medical help is supposed to make you feel better, but the bill you get afterwards can make you feel sick to your stomach. In fact, medical debt is one of the leading causes of financial stress for Americans, as one in four struggle to pay their doctor bills, according to a study by the Urban Institute.

But take heart, there are plenty of ways you can lower your medical expenses — and your blood pressure at the same time

First, find a fair price for the procedure you need. You can do this by checking out sites like HealthcareBluebook.com or NewChoiceHealth.com. Sites like these provide a range of what you can expect to pay based on where you live. Costs are typically higher in cities, so make sure to do a cost comparison outside of city limits. Using these quotes, you can shop around and rule out facilities that charge more than you can afford.

Next, find the most cost-effective facility. It’s not just your zip code that affects pricing, but the physical building where the procedure takes place that you’ll be charged a premium for. “Just because a procedure is more expensive, doesn’t mean it’s better quality care. The largest portion of the bill is based on the building or facility cost,” says Bill Kampine, co-founder of HealthCareBlueBook. Citing a report by the Massachusetts Attorney General’s Office on health care cost trends, Kampine points to the finding that payments vary wildly and there is no sufficient connection between the quality of care and higher prices.

In other words, a cataract surgery performed by the same doctor at an ambulatory surgery center could be half the cost of what you’d be charged at a hospital. So if you have a doctor in mind, it’s best to work with him or her to find the most affordable option.

If you have health insurance, make sure your doctor, service and facility are in-network. The insurer’s website may be out of date, so take the extra step to call and confirm, getting a clear answer about what you’re responsible for out-of-pocket.

If you don’t have health insurance, let the billing department know and see if they’ll offer you a lower rate because you are uninsured. Sometimes they will reduce the bill or work with you to set up a financial assistance payment plan. Last fall, NewChoiceHealth rolled out a new division called “Patient Assist” in which uninsured patients can work with their care coordinators to negotiate more affordable rates.