I have a lump under my skin on the crease of my arm its about the size of a quarter and visible do i need to go to the hospital ?

Cyst or lipoma: It is most likely either an epidermal cyst or a lipoma (benign fat tumor). Neither is worth a trip to the hospital, but it's worth pointing out the next time you see your doctor or a dermatologist to confirm that it is one of those two things. Of course, if it starts to grow or bleed or change color, have it looked at right away.