Lucie Garner Insurance Services

Your health coverage should be as intentional as every other investment you make. ✨

Private insurance.
Public insurance.

Two very different paths. One goal: protecting what matters most 💎

Whether you’re self-employed, growing a family, managing ongoing healthcare needs, or simply looking for better options, understanding your choices matters.

Let’s find the strategy that fits you‼️

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

🌟 Big Update for AETNA Members 🌟

Aetna will be exiting the individual health insurance market starting in 2026 —>> they WILL NOT be offering individual plans nationwide - you also won’t be automatically re-enrolled into another plan.

If you currently have an Aetna individual plan, don’t worry - I’m here to help‼️

During Open Enrollment, we’ll explore all your options together.

Book an appointment early and let’s make the transition stress-free ⬇️

Health Insurance consultation - Lucie Garner Hello! Schedule your health insurance solution call with Lucie to help explore your perfect health insurance plan.I will present you with several options and offer a rationale for my recommendation.

“Easter is meant to be a symbol of hope, renewal, and new life. “
~ Janine di Giovanni

What to expect paying for your COLONOSCOPY❓

Many people do not understand. Please, read so you are aware of the differences.

PS: Under the ACA (Obamacare) you can get preventive colonoscopy for free every 10 years IF you are over age 50. If you have a diagnostic colonoscopy or under age 50, it is NOT FREE‼️

Private plans do NOT offer preventive care services for free but rather contribute a fixed amount towards it.

✨ Happy New Year 2025! ✨

Wishing you good health, happiness, and success in the coming year.

I am here to fully explain and suggest to you the best health insurance options for you, your family or business.

Love,
Luci🫶🏽