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

Century Communities Employees Should be Aware that the Student Loan Payment Pause was Extended Through January 2022

Healthcare Provider Update: Healthcare Provider for Century Communities The primary healthcare provider for Century Communities is often facilitated through the company's employee benefits program, which includes options for major insurers. However, specific healthcare providers may vary based on the employees' locations and plans selected. Generally, employees can access several national insurers that are common in employer-sponsored health plans. Potential Healthcare Cost Increases in 2026 As health insurance premiums for the Affordable Care Act (ACA) marketplace are projected to surge in 2026, many employees of Century Communities could face significant financial strain. A combination of escalating medical costs and the potential expiration of federal subsidies may result in average premium increases of over 60% in certain states, with some individuals seeing their out-of-pocket costs jump by approximately 75%. This drastic rise in expenses can disproportionately affect middle-income families, complicating retirement planning and financial stability. With proactive budgeting and strategic healthcare planning becoming increasingly essential, employees should prepare for these potentially daunting changes ahead. Click here to learn more

How Century Communities employees can navigate federal student loan repayment: This article provides a framework for Century Communities employees to understand the current federal student loan landscape and make the most of available repayment options and employer benefits, suggests Tyson Mavar, a representative from The Retirement Group, a division of Wealth Enhancement Group.

Wesley Boudreaux of The Retirement Group, a division of Wealth Enhancement Group, advises Century Communities employees with federal student loans to take stock of their current repayment plan and explore the updated options available now that the pandemic-era payment pause has ended.

In this article, we will cover:

The end of the federal student loan payment pause: A summary of the pandemic-era moratorium and what happened when repayment resumed.

The effects on Century Communities employees: How the current repayment environment affects both personal and Parent PLUS Loans.

New employer benefits and available programs: What Century Communities employees can take advantage of under current law.

Background: The student loan payment pause has ended.

Federal student loan repayment resumed on September 1, 2023, after more than three years of pandemic-era relief. The COVID-19 payment pause, which began in March 2020 under the CARES Act, was extended multiple times. After the U.S. Supreme Court's June 2023 ruling blocked broad student loan cancellation, the final pause ended and repayment restarted. The Department of Education implemented a one-year on-ramp period through October 2024, during which missed payments did not trigger credit reporting -- but interest continued to accrue. As of late 2024, standard monthly repayment is fully in effect for all Century Communities employees with federal student loans.

Century Communities employees nearing retirement should be aware that Parent PLUS Loans -- federal loans that parents can take out to help pay for their children's education -- resumed repayment along with all other federal loans in 2023. Income-driven repayment (IDR) options remain available for eligible borrowers. Century Communities employees should note, however, that the Saving on a Valuable Education (SAVE) plan -- introduced in 2023 as the most generous IDR option -- was blocked by federal courts in 2024 and is currently in administrative forbearance while legal challenges are resolved. Time spent in SAVE forbearance does not count toward Public Service Loan Forgiveness (PSLF), and borrowers cannot make qualifying PSLF payments while in the plan. Two other IDR plans -- Income-Contingent Repayment (ICR) and Pay As You Earn (PAYE) -- are being phased out and will end in mid-2028. The standard 10-year repayment plan and Income-Based Repayment (IBR) remain fully available.

Does interest accrue during current forbearance periods?

Yes. Unlike the pandemic-era pause, the SAVE administrative forbearance does accrue interest. Century Communities employees enrolled in SAVE who are in administrative forbearance may wish to consider voluntary payments to prevent interest buildup.

Do private student loans qualify for income-driven repayment?

No. Century Communities employees should remember that private student loans are not eligible for federal IDR plans, PSLF, or federal forbearance protections. Only federal government-held loans -- including Federal Direct Loans, Federal Perkins Loans, and FFEL Program loans held by the Department of Education -- are eligible.

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Century Communities employees whose employer offers student loan repayment assistance should be aware of a significant development: the One Big Beautiful Bill Act (OBBBA), signed into law in July 2025, permanently extended the employer benefit allowing companies to contribute up to $5,250 per year toward an employee's student loan repayment on a tax-free basis. This benefit was originally a temporary CARES Act provision. Century Communities employees are encouraged to check with their HR department to determine whether this benefit is available and to contact their loan servicer to review their current repayment plan status.

Sources:

U.S. Department of Education. 'Federal Student Loan Payment Restart.' StudentAid.gov, 2023, studentaid.gov/announcements-events/covid-19 .
U.S. Department of Education. 'Repayment Plans.' StudentAid.gov, 2025, studentaid.gov/manage-loans/repayment/plans .
NPR. 'Federal student loans are changing. Here’s what to expect in 2026.' NPR, December 2025, www.npr.org .
U.S. Congress. One Big Beautiful Bill Act. Signed July 2025.
Federal Reserve Bank of New York. 'Household Debt and Credit Report.' Federal Reserve Bank of New York, Q4 2025, www.newyorkfed.org/microeconomics/hhdc .

What type of retirement plan does Century Communities offer to its employees?

Century Communities offers a 401(k) retirement savings plan to help employees save for their future.

Is there a company match for contributions to the Century Communities 401(k) plan?

Yes, Century Communities provides a company match for employee contributions to the 401(k) plan, helping to enhance your retirement savings.

How can employees enroll in the Century Communities 401(k) plan?

Employees can enroll in the Century Communities 401(k) plan through the company’s designated benefits portal or by contacting the HR department for assistance.

What is the eligibility requirement to participate in the Century Communities 401(k) plan?

Generally, employees of Century Communities who meet specific criteria, such as age and length of service, are eligible to participate in the 401(k) plan.

Can employees change their contribution percentage to the Century Communities 401(k) plan?

Yes, employees can change their contribution percentage to the Century Communities 401(k) plan at any time, subject to the plan's rules.

What investment options are available in the Century Communities 401(k) plan?

The Century Communities 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles.

Does Century Communities provide financial education resources for employees regarding the 401(k) plan?

Yes, Century Communities offers financial education resources and workshops to help employees understand their 401(k) options and make informed investment decisions.

What happens to my Century Communities 401(k) if I leave the company?

If you leave Century Communities, you have several options for your 401(k), including rolling it over to another retirement account, cashing it out, or leaving it in the plan if permitted.

Are there any fees associated with the Century Communities 401(k) plan?

Yes, like most 401(k) plans, the Century Communities 401(k) plan may have administrative and investment fees. Employees can review the plan documents for detailed information.

How often can employees contribute to the Century Communities 401(k) plan?

Employees can contribute to the Century Communities 401(k) plan through payroll deductions, which occur on each pay period.

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

In 2024, Century Communities announced a restructuring plan that includes reducing its workforce by 8% and making significant changes to its benefits package, including increased employee contributions to retirement plans.

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For more information you can reach the plan administrator for Century Communities at 8390 East Crescent Parkway, Suite 650 Greenwood, CO 80111; or by calling them at 1-303-268-8390.