Navigating Inflation: Essential Insights for Ingredion Employees to Safeguard Their Retirement Plans

Healthcare Provider Update: Healthcare Provider for Ingredion For Ingredion, the primary healthcare provider facilitating health benefits for employees is generally expected to be a major national health insurer. While specific details can vary by location and employee plan selection, Ingredion typically partners with prominent insurers like UnitedHealthcare, Anthem (Elevance Health), or Cigna. Employees should review their specific benefits documentation to confirm the insurer applicable to their individual or family healthcare plans. Potential Healthcare Cost Increases in 2026 As we look toward 2026, Ingredion employees may face significant healthcare cost increases stemming from rising premiums in the ACA marketplace. Notably, with many states anticipating premium hikes exceeding 60%, employees could feel the pinch as employers may adjust benefit structures, shifting more costs onto them. The expiration of enhanced federal subsidies may further amplify these financial burdens, with up to 92% of ACA enrollees potentially experiencing out-of-pocket premium increases exceeding 75%. Given the upward trend in medical costs driven by pharmaceutical expenses and healthcare service inflation, it is vital for employees to proactively plan for these anticipated changes in their healthcare expenditures. Click here to learn more

As a Ingredion employee earning a good wage, remember when everyday products were much cheaper than they are now? That's a real-life example of inflation, an unavoidable phenomenon that erodes the value of money by pushing prices up over time. If capital isn't being put to work and making a return during inflationary periods, the purchasing power of investor capital is declining.

 

'If capital isn't being put to work and making a return during inflationary periods, the purchasing power of investor capital is declining.'

 

As a Ingredion employee interested in investing, it is important to consider how investors have a wide range of tools at their disposal to protect their portfolios from inflation. Some prefer inflation-protected bonds, while others swear by commodities such as gold as effective inflation hedges. Investing in stocks has historically been one of the best ways to offset, or even outpace, inflation's degenerative effects on one's savings. For Ingredion employees, it is important to account for this information when planning your finances as to create a portfolio that minimizes volatility and accounts for inflation.

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We still have a tremendous amount of interest from advisors looking into commodity funds, ETFs and other inflation protection instruments to protect against potential inflation.