Health insurance is a personal choice; however, our recommendation is that you continue to carry health insurance to cover lab work, vaccinations, prescriptions, imaging, diagnostic tests, and hospitalizations. We'll often recommend our members move towards a higher deductible, lower premium plan to front-load their healthcare spend on primary care. Why? Because 80% of health needs can be addressed through primary care alone. HSA/FSA dollars may be used to cover all or some of your membership fees, but we encourage you to check with your tax advisor or HSA/FSA plan administrator to confirm.