When it's time

So I've been going to my therapist for a little over a year now and I still have problems here and there. And I think we've become close and there are time where I believe we talk more like friends or maybe she's doing that as a therapist because she's found a way? I'm not sure but weird to say I think I need a break from therapy. I don't think I'm cured or don't need it anymore but I can't explain why I just don't want to go at the moment. And I asked one day when I'd stop and she said when she says basically because my insurance is helping me so I wonder if she meant I'm not ready or she needs the money? With this long rant I was just curious of anyone has gone to therapy what their experience was like and if they ever felt off or needed a break,knew when to stop, etc. And how they went about it or did their therapist just say ok you're fine? Lol