While you can cancel your health insurance at any time, you won't be able to select a new plan outside of the open enrollment period unless you meet certain "qualifying" reasons.

As a HAP Medicare Advantage member, you can access participating fitness centers or YMCAs memberships at no cost. You can even switch to another participating center monthly.

HAP is a Michigan-based, nonprofit health plan that provides health coverage to individuals, companies and organizations. We partner with doctors, employers and community groups to enhance the overall health and well-being of the lives we touch.

HAP is here, with PPO plans for as low as $0 per month. With a HAP Medicare Advantage PPO plan, you can get care from thousand of leading doctors and hospitals in Michigan, as well as throughout the country. ... You'll pay in-network prices when you visit any Medicare-participating provider in the U.S.

Contact HR: If you want to cancel your health insurance at work, speak to the colleague who handles employee benefits. Scheduling Matters: Make sure that the cancellation date for your existing coverage is on or after the date when your new coverage begins.

Gym memberships Many major insurance companies offer discounts of up to 30 percent on monthly fees on select gyms. Employers often offer discounts on gym memberships, as well -- some offer $250 per year reimbursements. So check with your benefits department.

To do so, you must call HAP Customer Service and ask to be disenrolled. Or you can call Medicare 24/7 year-round at 1-800-MEDICARE or (800) 633-4227.

Bupa. Bupa's Gold Extras policy provides a level of cover for some gym memberships, swimming programs for children, pilates, and yoga under its Living Well program.