Lucie Garner Insurance Services

A quiet kind of confidence - sunlight, movement & a moment just for me ☀️🌴🏓
Lately, pickleball has become my favorite ritual… a blend of focus, energy & simple joy - where I reconnect with myself and let everything else fade away.

I get this question all the time:

☀️Is an HSA worth it?

Depends!!!

An HSA (Health Savings Account) lets you set aside pre-tax money for medical expenses when paired with a High Deductible Health Plan.

2026 Contribution Limits:�• Individual: $4,300�• Family: $8,,550�• Catch-up contribution (age 55+): +$1,000

Why it matters:�✔ Lower taxable income�✔ Tax-free growth�✔ Tax-free withdrawals for medical expenses
Best suited for those who are generally healthy and comfortable with a higher deductible.

☀️What is considered a High Deductible Health Plan (HDHP)?
For 2026:�• Individual deductible: $1,700+�• Family deductible: $3,400+
☀️Where you can open an HSA?�• Major banks
• HSA specialists
• Some insurance carriers
The key is being enrolled in an HSA-eligible health plan first.

‼️Not all high-deductible plans are HSA-qualified - especially some private or grandfathered plans. The plan has to be specifically labeled HSA-compatible.‼️

Have questions? Let’s connect!!🫶🏽

⚡️Premiums increased? Losing coverage? No coverage at all?⚡️

OK!! Let’s talk people!!

Beside Marketplace, I specialize in private, health-based insurance that offers nationwide coverage & flexibility whether you’re self-employed, between plans, or simply ready for better options.

I guide you and offer concierge-level service!
I make sure you’re educated, protected, and confident in your choices.

💬 Schedule a FREE consultation today!

📞805-501-4151
📧[email protected]
www.luciegarner.com