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

Healthcare Provider Update: DexCom offers its employees a comprehensive health insurance package that includes medical, dental, and vision coverage. Employees benefit from Health Savings Accounts (HSAs) with company contributions, telemedicine access, and mental health support. Additional perks include paid time off, 401(k) matching, and professional development programs 4. Healthcare costs in the United States are projected to continue rising through 2026, with insurers proposing significant premium increases for Affordable Care Act (ACA) plans. A recent analysis found that ACA insurers are seeking a median premium increase of 15% for 2026, marking the largest hike since 2018. This surge is attributed to factors such as the anticipated expiration of enhanced premium tax credits, rising medical costsincluding expensive medications and increased hospital staysand a shift in the risk pool towards higher-cost enrollees. Without the renewal of enhanced subsidies, out-of-pocket premiums for ACA marketplace enrollees could increase by more than 75% on average. Click here to learn more

How DexCom employees can navigate federal student loan repayment: This article provides a framework for DexCom 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 DexCom 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 DexCom employees: How the current repayment environment affects both personal and Parent PLUS Loans.

New employer benefits and available programs: What DexCom 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 DexCom employees with federal student loans.

DexCom 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. DexCom 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. DexCom 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. DexCom 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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DexCom 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. DexCom 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 retirement savings options does DexCom offer to its employees?

DexCom offers a 401(k) savings plan that allows employees to save for retirement through pre-tax and Roth contributions.

Does DexCom match employee contributions to the 401(k) plan?

Yes, DexCom provides a matching contribution to the 401(k) plan, helping employees to maximize their retirement savings.

How can employees at DexCom enroll in the 401(k) plan?

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

What is the vesting schedule for DexCom's 401(k) matching contributions?

DexCom has a vesting schedule that typically requires employees to complete a certain number of years of service before they fully own the matching contributions.

Can DexCom employees take loans against their 401(k) savings?

Yes, DexCom allows employees to take loans against their 401(k) savings, subject to specific terms and conditions outlined in the plan.

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

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

Is there a minimum contribution requirement for the DexCom 401(k) plan?

Yes, DexCom has a minimum contribution requirement for employees who wish to participate in the 401(k) plan, which is outlined in the plan documents.

How often can DexCom employees change their 401(k) contribution amounts?

DexCom employees can change their 401(k) contribution amounts at specified intervals, typically during open enrollment or at any time as allowed by the plan.

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

If you leave DexCom, you have several options for your 401(k), including rolling it over to another retirement account or leaving it in the DexCom plan, subject to certain conditions.

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

Yes, there may be fees associated with the DexCom 401(k) plan, which are disclosed in the plan documents and can vary based on investment choices.

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

DexCom offers a 401(k) plan but does not currently provide a defined pension plan for its employees. The DexCom 401(k) plan allows employees to contribute a portion of their salary, and the company matches a percentage of these contributions. As of 2022, the plan's total retirement assets were over $234 million, with 5,430 participants. The plan is accessible to all full-time employees aged 21 and over, with the option to start contributing immediately upon employment. For specific terminology and detailed plan descriptions, DexCom uses standard retirement-related terms like "vesting," "deferral," and "matching contributions." The plan focuses on providing long-term savings opportunities, emphasizing employee participation and the benefits of employer matching.

Restructuring and Layoffs: In early 2024, DexCom announced a restructuring plan aimed at optimizing operations and reducing costs. The company is expected to lay off approximately 5% of its workforce as part of this initiative. This move is a strategic response to the current economic uncertainties and is designed to enhance efficiency and profitability amidst fluctuating market conditions. The importance of addressing this news is heightened by the current economic environment, which is marked by inflationary pressures and changing investment dynamics. Understanding such developments is crucial for assessing the potential impact on employee benefits and job security. Company Benefits and Pension Changes: Alongside the restructuring, DexCom has also made adjustments to its benefits and pension plans. The company has modified its 401(k) match policy, reducing the employer contribution rate from 5% to 3%. Additionally, there have been changes to the pension plan, including a freeze on new pension accruals. These changes reflect broader trends in the industry where companies are reassessing their benefits structures in response to financial pressures. It is essential to monitor these developments as they affect employee retirement planning and long-term financial stability, especially in light of current tax and investment environments.

DexCom provided stock options to executives and key employees, with a four-year vesting schedule. RSUs were granted to align interests with shareholders, typically vesting over three years.

DexCom Careers Page: DexCom's official careers page provides a detailed overview of their employee benefits, including health insurance plans, wellness programs, and other related benefits. Health Insurance Plans and Benefits: Medical Insurance: DexCom offers various medical plans, including PPO (Preferred Provider Organization) and HMO (Health Maintenance Organization) options. Coverage often includes preventive care, emergency services, and specialist visits. Dental and Vision Insurance: Comprehensive dental and vision insurance plans are typically provided, covering routine check-ups, major dental work, and vision correction. Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs): Employees can use HSAs or FSAs to manage out-of-pocket expenses with tax advantages. Telehealth Services: Access to virtual consultations and telemedicine is commonly available.