It’s probably not your decision, flu. It’s your wife’s. She would be the one using it, not you.
About a decade ago I considered ditching my policy too. I mentioned it to my wife. She said that we could – but that would change the direction of our life as she would change to being risk adverse…new cars, new home purchases, etc would not occur. She would have to protect herself by making less risky decisions.
So we kept the policy.
And didn’t you have a major health issue a few years back? To me, that’s reason enough to keep the policy.