Empyrean would never recommend you cancel your health insurance.  The health savings plan is NOT an insurance policy nor a replacement for health insurance.  We recommend that everyone have a health insurance policy that provides coverage in the event of a catastrophic illness.  With Empyrean's savings plan, you receive discounts and savings on services in addition to what you may not have with your health insurance policy, and on additional services that your policy may not cover such as chiropractic, dental, holistic medicine, and more.