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

Why More AMC Entertainment Holdings Employees Are Considering Social Security Early â€” And How Medicare Changes Play a Role

Healthcare Provider Update: Healthcare Provider for AMC Entertainment Holdings AMC Entertainment Holdings employees have access to a range of healthcare options primarily through Aetna, which serves as the main health insurance provider for the company's workforce. Employees can leverage this partnership for various health benefits, including medical, dental, and vision coverage. Potential Healthcare Cost Increases for AMC Entertainment Holdings in 2026 In 2026, AMC Entertainment Holdings employees may face significant increases in healthcare costs, as broader trends in the Affordable Care Act (ACA) marketplace signal a sharp rise in premiums. Reports indicate that some states are seeing proposed increases exceeding 60%, compounded by the potential expiration of federal premium subsidies. As employers grapple with rising medical expenses and revenue pressures, employees may need to absorb more costs through higher deductibles and out-of-pocket maximums. Strategic planning and understanding workplace benefits will be crucial for employees to navigate these impending cost challenges effectively. Click here to learn more

'AMC Entertainment Holdings employees weighing when to file for Social Security should consider both current health care costs and long-term income needs, so they can stay adaptable as retirement unfolds.' — Paul Bergeron, a representative of The Retirement Group, a division of Wealth Enhancement.

'AMC Entertainment Holdings employees can benefit from thoughtfully coordinating Social Security timing with health care expenses so their retirement income stays aligned with their evolving needs over time.' — Tyson Mavar, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article, we will discuss:

How Social Security filing age affects retirement income.
How Medicare expenses factor into when retirees claim benefits.
Why emotional concerns are shifting filing behavior for many Americans.

Written by Wealth Enhancement advisors Kevin Landis, CPA and Wesley Boudreaux

Advisors in the retirement-income space have long suggested that retirees consider delaying filing for Social Security benefits. For those with a full retirement age (FRA) of 67, waiting until age 70 can result in monthly payments that are around 24% higher. ¹ And for those with an FRA of 66, the increase if one waits until age 70 is closer to 32%. ¹ AMC Entertainment Holdings employees nearing retirement often hear this same message.

However, new national data indicates a growing number of Americans plan to claim Social Security before age 70. Cost pressures and health care related issues are major influences in this trend.

The Retirees’ Reality

Today’s retirees face a very different environment than those in past decades, including less access to traditional pensions, rising health care costs, and mounting everyday living expenses. In the private sector, only about 15% of workers still have access to defined benefit pensions, ² affecting many households and AMC Entertainment Holdings employees.

According to retirement consultant Wesley Boudreaux, 'most retirees are not choosing to claim early for the sake of it.” Instead, rising medical and living costs are driving earlier benefit decisions because of cash flow pressures.

One major factor? Health care. Nearly 39% of out-of-pocket health care spending by Medicare beneficiaries was equivalent to Social Security payments received, on average, in 2022. ³

Medicare Advantage: A Key Planning Factor

Additionally, shifts in Medicare Advantage plans have left many retirees unsure about upcoming costs. Benefit structures can vary significantly by year or by region, causing cost surprises that AMC Entertainment Holdings workers and their families may need to plan for.

“We are already seeing clients paying more for health care than expected,” said Kevin Landis, CPA. “When medical expenses rise, Social Security often becomes the first lever people pull to handle that burden.”

This is why coordinating Social Security filing decisions with Medicare coverage choices remains important, particularly when plans change annually.

“This is the intersection of Social Security and health care planning,” Landis adds. “Changes in one can influence the other.”

Emotional Considerations Also Matter

Money matters aren’t the only reason retirees claim earlier. Concerns about the future of Social Security have caused many to look for the emotional comfort of taking benefits sooner, including some AMC Entertainment Holdings workers preparing for retirement.

While benefits are expected to continue—even if trust fund reserves decline in the 2030s—worries about future payouts can play a role.

“It’s not just about math,” Boudreaux explains. “People want control and stability in retirement, even if that means receiving less over time.”

Finding the Right Approach for You

Whether filing early is a good fit depends a lot on health, cash flow needs, and longer-term retirement goals. Thoughtful planning helps maintain flexibility, rather than driving you to respond under pressure.

“The best approach balances today’s needs with what lies ahead,” Landis says. “And that begins with understanding how Medicare and Social Security interact.”

Need Help Reviewing Your Options?

The Retirement Group, a division of Wealth Enhancement, helps individuals evaluate Medicare electives, analyze Social Security filing alternatives, and design retirement income strategies based on personal goals—including guidance tailored to those employed by AMC Entertainment Holdings.

ðŸ“ž Call (800) 900-5867 before your next enrollment period to schedule a Social Security & Health Care Review.

Work toward confidence in your long-term retirement income decisions.

About the Authors

Wesley Boudreaux and Kevin Landis, CPA, provide retirement income and tax planning guidance through Wealth Enhancement, helping people make informed choices about Social Security, Medicare, and financial well-being.

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Articles you may find interesting:

Sources:

1. CNBC. ' Does it still make sense to wait to claim Social Security retirement benefits? ' by Lorie Konish. 29 Apr. 2025.
2. U.S. Bureau of Labor Statistics. ' 15 percent of private industry workers had access to a defined benefit retirement plan ,' 10 Apr. 2024.
3. Kaiser Family Foundation. “ Health Costs Consume a Large Portion of Income for Millions of People with Medicare ,' by Ochieng, Nancy; Juliette Cubanski; Tricia Neuman; Anthony Damico. 21 Aug. 2025.
Other Resources:
1. Social Security Administration. When to Start Receiving Retirement Benefits: Publication No. 05-10147 . May 2024. U.S. Government Publishing Office, Washington D.C.
2. Topoleski, John J., Elizabeth A. Myers, and Sylvia L. Bryan. Worker Participation in Employer-Sponsored Pensions: Data in Brief and Recent Trends (R43439) . Congressional Research Service, 18 Sept. 2024.
3. Medicare Payment Advisory Commission. Report to the Congress: Medicare Payment Policy – Chapter 11: The Medicare Advantage Program: Status Report . Mar. 2025, medpac.gov/wp-content/uploads/2025/03/Mar25_Ch11_MedPAC_Report_To_Congress_SEC.pdf.
4. Board of Trustees, Social Security. 2025 Annual Report of the Board of Trustees of the Federal Old-Age and Survivors Insurance and Federal Disability Insurance Trust Funds . 30 June 2025. U.S. Government Publishing Office, Washington D.C.

What type of retirement savings plan does AMC Entertainment Holdings offer to its employees?

AMC Entertainment Holdings offers a 401(k) retirement savings plan to its employees.

Is AMC Entertainment Holdings' 401(k) plan available to all employees?

Yes, the 401(k) plan at AMC Entertainment Holdings is available to eligible employees who meet the participation requirements.

What is the employer match for the 401(k) plan at AMC Entertainment Holdings?

AMC Entertainment Holdings provides a company match for employee contributions to the 401(k) plan, up to a certain percentage of the employee's salary.

How can employees of AMC Entertainment Holdings enroll in the 401(k) plan?

Employees of AMC Entertainment Holdings can enroll in the 401(k) plan by completing the enrollment process through the designated online portal or by contacting HR for assistance.

What investment options are available in the AMC Entertainment Holdings 401(k) plan?

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

Can employees of AMC Entertainment Holdings change their contribution percentage to the 401(k) plan?

Yes, employees of AMC Entertainment Holdings can change their contribution percentage at any time, subject to the plan's guidelines.

Does AMC Entertainment Holdings allow for loans against the 401(k) plan?

Yes, AMC Entertainment Holdings allows employees to take loans against their 401(k) balance, subject to specific terms and conditions outlined in the plan.

At what age can employees of AMC Entertainment Holdings begin to withdraw from their 401(k) plan without penalties?

Employees of AMC Entertainment Holdings can begin to withdraw from their 401(k) plan without penalties at age 59½.

What happens to the 401(k) plan if an employee leaves AMC Entertainment Holdings?

If an employee leaves AMC Entertainment Holdings, they can choose to roll over their 401(k) balance to another retirement account, cash out, or leave it in the AMC plan if allowed.

Does AMC Entertainment Holdings provide educational resources for employees regarding their 401(k) plan?

Yes, AMC Entertainment Holdings offers educational resources and workshops to help employees understand their 401(k) plan and make informed investment decisions.

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

AMC Entertainment Holdings has announced a significant restructuring plan involving layoffs of around 10% of its workforce. Additionally, the company is revising its employee benefits package to address financial strain and cut costs.

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For more information you can reach the plan administrator for AMC Entertainment Holdings at One AMC Way, 11500 Ash Street Leawood, KS 66211; or by calling them at (913) 213-2000.