New Update: Healthcare Costs Increasing by Over 60% in Some States. Will you be impacted?

8 smart habits J.B. Hunt Transport Services employees can adopt to help boost credit scores

Healthcare Provider Update: Healthcare Provider for J.B. Hunt Transport Services J.B. Hunt Transport Services utilizes multiple healthcare providers for its employee benefits, with the specifics often varying by the region and the type of coverage chosen. The company typically offers access to a range of insurers, aligning with industry standards for providing health care to its employees. Healthcare Cost Increases Projection for 2026 As J.B. Hunt Transport Services prepares for 2026, employees may face significant healthcare cost increases due to a convergence of factors. Premiums for the Affordable Care Act (ACA) marketplace are projected to rise sharply, with some states reporting hikes exceeding 60% as a result of both the expiration of enhanced federal subsidies and elevated medical costs. Additionally, many employers, including J.B. Hunt, are expected to shift more healthcare expenses onto employees, further straining household finances. This backdrop of rising costs highlights the importance for employees to proactively reassess their healthcare plans and budgeting strategies to mitigate the financial impact. Click here to learn more

'Strong credit habits can give J.B. Hunt Transport Services employees greater flexibility when preparing for major financial decisions, especially as they transition toward retirement,' says Michael Corgiat, a representative of The Retirement Group, a division of Wealth Enhancement.

'J.B. Hunt Transport Services employees who build and maintain strong credit habits may position themselves for smoother financial decisions in the years leading up to retirement,' says Brent Wolf, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article, we will discuss:

How strong credit can support borrowing for major purchases.
Eight habits that may positively influence your credit score.
Ways to monitor and maintain the accuracy of your credit report.

When borrowing for a major purchase, strong credit can make the process smoother and possibly less expensive. Like preparing for a long-term project at J.B. Hunt Transport Services, progress comes from consistent effort over time—not rushing right before the deadline.

Here are eight habits that can support your credit score.

1. Make timely bill payments

Payment history is a major factor in credit scoring. Staying on top of due dates for loans and credit cards demonstrates reliability. Options like scheduled reminders or autopay can help keep everything flowing.

2. Maintain minimal credit balances

Using only a portion of your available credit—especially on revolving accounts like credit cards—can contribute to a stronger score. Credit utilization (how much of your borrowing limit you’re using) is a key consideration for lenders.

3. Keep older accounts open when it makes sense

The length of your credit history influences how strong your borrowing profile appears. Older accounts highlight more long-term behavior. However, if an account has high fees or encourages overspending, closing it may still be practical for some J.B. Hunt Transport Services households.

4. Limit unnecessary new credit applications

Applying for credit can trigger hard inquiries that temporarily place slight downward pressure on your credit score. Multiple inquiries for the same type of loan—like mortgage rate shopping—typically count as one within a defined window. Checking your own credit does not affect your score.

5. Maintain a healthy mix of credit types

Responsibly managing a blend of installment loans and revolving accounts can demonstrate financial flexibility. This doesn’t mean taking on debt that isn’t needed. However, thoughtfully managing different forms of credit over time may help strengthen your profile as life evolves during and after a J.B. Hunt Transport Services career.

6. Monitor your credit report regularly

You are entitled to free credit reports from the major bureaus—Equifax®, Experian®, and TransUnion®. Reviewing them can help identify errors, lingering balances, or signs of fraud. Staying proactive keeps your credit information accurate and up-to-date.

7. Dispute any reporting mistakes

If you find incorrect data on your report, you can file a dispute with the reporting bureau and contact the creditor at issue. Fixing errors can help make sure your score reflects your actual history.

8. Strengthen your overall financial picture

Budgeting, keeping debt manageable, and maintaining an emergency fund may make it easier to keep up with credit-related commitments. When finances stay organized, positive credit habits typically follow.

Need help planning for retirement?

A well-managed credit profile can be an important part of your overall financial life, including the transition into retirement. The Retirement Group can assist you as you prepare for your future. If you would like guidance, call (800) 900-5867 to speak with our team.

Need help planning for retirement?

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Sources:

1. Consumer Financial Protection Bureau. “How Do I Dispute an Error on My Credit Report?” CFPB , 18 Dec. 2024, www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/ . Accessed 27 Oct. 2025.

2. Experian Editorial Team. “Do Multiple Loan Inquiries Affect Your Credit Score?” Experian , 30 Aug. 2024, www.experian.com/blogs/ask-experian/do-multiple-loan-inquiries-affect-your-credit-score/ . Accessed 27 Oct. 2025.

3. FICO. “What’s in My FICO® Scores?” myFICO , n.d., www.myfico.com/credit-education/whats-in-your-credit-score . Accessed 27 Oct. 2025.

4. Federal Deposit Insurance Corporation. “Credit Reports.” FDIC , 1 Aug. 2023, www.fdic.gov/consumer-resource-center/credit-reports . Accessed 27 Oct. 2025.

5. Federal Trade Commission. “Free Credit Reports.” FTC Consumer Advice , 2023–2024, consumer.ftc.gov/free-credit-reports. Accessed 27 Oct. 2025.

What type of retirement savings plan does J.B. Hunt Transport Services offer to its employees?

J.B. Hunt Transport Services offers a 401(k) retirement savings plan to its employees.

Is there a company match for contributions made to the 401(k) plan at J.B. Hunt Transport Services?

Yes, J.B. Hunt Transport Services provides a company match for employee contributions to the 401(k) plan, subject to certain limits.

How can employees at J.B. Hunt Transport Services enroll in the 401(k) plan?

Employees at J.B. Hunt Transport Services can enroll in the 401(k) plan through the company’s HR portal or by contacting the HR department for assistance.

What is the eligibility requirement for employees to participate in the 401(k) plan at J.B. Hunt Transport Services?

Employees at J.B. Hunt Transport Services typically need to be at least 21 years old and have completed a specified period of service to be eligible for the 401(k) plan.

How often can employees change their contribution rate to the 401(k) plan at J.B. Hunt Transport Services?

Employees at J.B. Hunt Transport Services can change their contribution rate to the 401(k) plan at any time, subject to plan rules.

What investment options are available in the 401(k) plan at J.B. Hunt Transport Services?

J.B. Hunt Transport Services offers a variety of investment options in its 401(k) plan, including mutual funds, target-date funds, and other investment vehicles.

Can employees take loans against their 401(k) balance at J.B. Hunt Transport Services?

Yes, J.B. Hunt Transport Services allows employees to take loans against their 401(k) balance, subject to the plan's terms and conditions.

What happens to an employee's 401(k) balance if they leave J.B. Hunt Transport Services?

If an employee leaves J.B. Hunt Transport Services, they can choose to roll over their 401(k) balance to another retirement account, cash out, or leave the funds in the J.B. Hunt plan if permitted.

Does J.B. Hunt Transport Services offer any financial education resources for employees regarding their 401(k)?

Yes, J.B. Hunt Transport Services provides financial education resources and tools to help employees understand and manage their 401(k) plans effectively.

Are there any fees associated with the 401(k) plan at J.B. Hunt Transport Services?

Yes, there may be administrative fees and investment-related fees associated with the 401(k) plan at J.B. Hunt Transport Services, which are disclosed in the plan documents.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.

Name of Pension Plan: J.B. Hunt Transport Services does not offer a traditional defined benefit pension plan. Instead, the company primarily provides a 401(k) retirement savings plan. Eligibility Criteria: J.B. Hunt Transport Services offers a 401(k) plan to eligible employees. The eligibility for the 401(k) plan typically depends on the employee's length of service and other criteria set by the company. Pension Formula: Since J.B. Hunt does not have a defined benefit pension plan, there is no pension formula applicable. Name of 401(k) Plan: The 401(k) plan offered by J.B. Hunt Transport Services is known as the "J.B. Hunt 401(k) Plan." Eligibility Criteria: Employees typically become eligible to participate in the 401(k) plan after completing a specific waiting period, which is usually outlined in the company's employee benefits documentation.

Restructuring and Layoffs: J.B. Hunt announced a restructuring plan in early 2024 aimed at improving operational efficiency. This plan included reducing its workforce by approximately 5% in response to changing market conditions and the need for operational optimization. The company indicated that the layoffs were part of a broader strategy to streamline operations and enhance profitability. This news is particularly important to address in the current economic environment as companies navigate uncertainties and seek to adapt to market changes. Understanding these adjustments can provide insights into how businesses are managing financial pressures and restructuring to remain competitive.

2022: J.B. Hunt offered stock options and RSUs to employees as part of their compensation package. Stock options were granted primarily to executives and senior management, while RSUs were available to a broader group including mid-level managers. 2023: The company continued offering RSUs to a broader group of employees, including those in mid-level positions and above. Stock options were less commonly granted, with a focus on key executive positions. 2024: J.B. Hunt's RSU program was expanded to include more employees, reflecting a trend towards broader equity compensation. Stock options remained targeted at senior executives and key personnel.

Healthcare Benefits Page: This section often includes comprehensive details about employee benefits, including health insurance options, wellness programs, and any recent updates. Company Blog/News Section: Recent announcements or changes related to employee benefits may be highlighted here