Now that I worked so hard to ensure that my insurance will cover the gym, I realized a major flaw in my thinking. The insurance covers my gym because they provide Silver Sneakers. Silver Sneakers contracts with the gym. I'm fairly confident that Humera will keep Silver Sneakers through 2017. I'm not nearly so confident that Silver Sneakers will keep LA Fitness through 2017. But, I have no way of finding out so now that I've worried about it for a couple of hours, I'm going to stop.
Worse case, they don't and I'll have to pay. Or find another pool. Future bridge crossing. I'm done for now.