Non-working spouse?

If your spouse does not currently work, he/she can still contribute to an IRA from your income.  Sometimes called a Spousal IRA, contribution limits are $5000/year.

Health Savings Accounts

Health Savings Accounts (HSAs) were created by the Medicare bill in 2003 and are designed to help individuals save for future qualified medical and retiree health expenses on a tax-free basis.  Your parents (or even you) can open a Health Savings Account and have the money invested for a positive return, and then withdraw the money, on a tax-free basis, to pay for various health care expenses.  Again, this puts the power of compounded interest in a tax-free environment to work.
After all, medical expenses are not likely to go down, and as we live longer, we usually pay more to do it.

For more information: http://www.treas.gov/offices/public-affairs/hsa/pdf/HSA-Tri-fold-english-07.pdf