No, you don’t need to cancel your insurance. We recommend keeping major medical coverage for hospital visits, as many patients find they save money by having a lower premium while enjoying member benefits. While our Direct Primary Care (DPC) model at Exceed Health Clinic covers unlimited primary care needs—like checkups, chronic management, and same-day visits—for just $70/month, we always recommend pairing it with a high-deductible or catastrophic insurance plan. This keeps you protected against rare but major events, such as hospitalizations or emergencies, without the high premiums of traditional plans. It’s the best of both worlds: everyday care on a budget, plus a safety net for life’s curveballs.