There is also the HSA account option to accompany insurance, which allows you to put money in it (say at the beginning of the year), to use towards med expenses. I think it is tax exempt or something as well. Might also build some interest??
Seems like a no brainer for people getting closer to retirement, and whatnot, but i could also see it as good if your son gets sick and money is tight... youll have it covered in advance