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. Many members choose a higher-deductible, lower premium plan and invest more directly in primary care, where up to 80% of health needs can be addressed. HSA or FSA funds may be used toward membership fees; please check with your tax advisor or plan administrator for eligibility.