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

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Is the Current Stock Market Surge Your Ticket to an Early Retirement from Encompass Health?

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Healthcare Provider Update: Healthcare Provider for Encompass Health Encompass Health Corporation operates as a leader in post-acute healthcare services, particularly offering rehabilitation services through a network of inpatient rehabilitation hospitals, outpatient rehabilitation clinics, and home health agencies. Their integrated care model emphasizes rehabilitation for patients recovering from illness or injury, including stroke recovery, brain injury rehabilitation, and orthopedic recovery. Potential Healthcare Cost Increases in 2026 In 2026, healthcare costs are anticipated to rise significantly, particularly for those enrolled in Affordable Care Act (ACA) marketplace plans. Factors such as the potential expiration of enhanced federal premium subsidies and escalating medical costs could result in premium hikes of over 60% in some states. Reports indicate that nearly 92% of ACA enrollees may face out-of-pocket premium increases exceeding 75%, driven by high utilization of medical services and significant drug costs. Consequently, consumers will need to navigate these changes carefully to manage their healthcare expenses effectively. Click here to learn more

Examining the relationship between these two events is crucial given the state of the economy today, which is characterized by a record-high stock market and a historically low jobless rate. According to conventional economic theory, a strong economy—which is demonstrated by a labor market that is fully employed—occurs before a thriving equity market. This relationship emphasizes how important it is for Encompass Health employees to examine the dynamics of the market today and how they affect the overall economy.


The $35 billion all-stock acquisition of Discover Financial by Capital One, a preeminent financial company, is a noteworthy development in the financial sector. With this merger, two of the top credit card firms in the country come together to become a worldwide payments powerhouse. These calculated mergers are a sign of how the financial sector is changing and how it is affecting international trade.

Companies like Super Micro Computer and Medtronic are prime examples of how innovation drives commercial success in the technology and healthcare sectors. Rosenblatt Securities' bullish prediction for Super Micro Computer, which includes a substantial price objective, is a reflection of their faith in the expansion potential of the technology industry. Similarly, Medtronic's performance, which exceeded quarterly projections and improved its financial outlook, is a prime example of the healthcare sector's tenacity and vital position in the economy.


Furthermore, with the start of the spring home-buying season, the real estate market, an essential part of the economy, exhibits periodic variations. On the other hand, certain cities are experiencing an early price increase, indicating the intricacies of the housing market and its susceptibility to wider economic fluctuations.

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The delicate relationship between employment rates, the stock market, and the general economy is exemplified by these changes, which range from strategic corporate mergers to growth trends specific to the real estate industry. It is important for Encompass Health employees to understand the current economic climate and spot emerging trends require these kinds of information.

Picture your retirement from Encompass Health as an elaborately organized journey across the wide ocean of your golden years aboard a luxurious liner. You've carefully plotted your voyage, taking into consideration all the necessities—investments, savings, and a pension—just like you would on a well-stocked ship sailing a vast distance. But as you sail, you find the ocean to be more erratic than you had imagined. Inflation and erratic stock markets are examples of economic currents that might threaten the stability of your journey, much like unexpected storms.

What is the 401(k) plan offered by Encompass Health?

The 401(k) plan offered by Encompass Health is a retirement savings plan that allows employees to save a portion of their salary on a tax-deferred basis.

Does Encompass Health offer a matching contribution for the 401(k) plan?

Yes, Encompass Health offers a matching contribution to help employees maximize their retirement savings.

How can employees enroll in the Encompass Health 401(k) plan?

Employees can enroll in the Encompass Health 401(k) plan through the company's benefits portal during the enrollment period or after they become eligible.

What are the eligibility requirements for the Encompass Health 401(k) plan?

To be eligible for the Encompass Health 401(k) plan, employees typically need to meet certain criteria, such as completing a specified period of service.

Can employees make changes to their contributions in the Encompass Health 401(k) plan?

Yes, employees can make changes to their contribution amounts in the Encompass Health 401(k) plan at any time, subject to plan rules.

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

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

When can employees start withdrawing funds from their Encompass Health 401(k) plan?

Employees can start withdrawing funds from their Encompass Health 401(k) plan upon reaching the age of 59½, or under certain circumstances such as financial hardship.

Are there penalties for early withdrawal from the Encompass Health 401(k) plan?

Yes, there are typically penalties for early withdrawal from the Encompass Health 401(k) plan unless specific exceptions apply, such as disability or financial hardship.

What happens to an employee's Encompass Health 401(k) plan if they leave the company?

If an employee leaves Encompass Health, they can roll over their 401(k) balance into another retirement account, cash out, or leave the funds in the plan if allowed.

How often does Encompass Health provide statements for the 401(k) plan?

Encompass Health provides regular statements for the 401(k) plan, typically on a quarterly basis, detailing account balances and investment performance.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
Encompass Health offers a comprehensive benefits package that includes both a 401(k) plan and other retirement options. In 2022, 2023, and 2024, Encompass Health continued to provide the Encompass Health Retirement Investment Plan, which allows employees to contribute up to 100% of their pay on a pre-tax basis, subject to IRS limits. The company matches 50% of the first 6% of employee contributions to the 401(k). There is also a Roth option available for those preferring post-tax contributions. Employees aged 50 or older are eligible for additional catch-up contributions​ (Encompass Health). In terms of eligibility for the 401(k) plan, all full-time and part-time benefit-eligible employees of Encompass Health can participate. The plan is administered by Charles Schwab Investments and offers a variety of mutual funds for investment. This is an employer-sponsored defined contribution plan​ (Encompass Health)​ (Encompass Health). Encompass Health employees also have access to an Employee Stock Purchase Plan (ESPP), which allows them to purchase company stock at discounted rates through payroll deductions. Although this is a voluntary program, it provides a supplementary method for employees to invest in the company​
Restructuring and Layoffs: Encompass Health has recently undergone significant restructuring aimed at streamlining operations and reducing costs. In 2023, the company announced a series of layoffs affecting several departments to align with its strategic goals. This move is part of a broader trend in the healthcare sector to enhance operational efficiency amid economic pressures and rising costs. Importance: Given the current economic and investment climate, understanding these changes is crucial. The healthcare industry is adapting to economic uncertainties, and such restructuring efforts can have widespread impacts on employees and the overall market. Additionally, changes in company operations can influence investment decisions and tax implications.
Encompass Health offers stock options and RSUs to executives and key employees as part of their compensation package. These benefits are designed to align employee interests with the company's performance. Stock options allow employees to buy shares at a set price, while RSUs provide shares after certain conditions are met.
Encompass Health Careers: Check the company’s official careers page for specific details on health benefits. Encompass Health Benefits Information: Look for detailed benefits descriptions, plan options, and any recent updates in their employee benefits section. Glassdoor: Review employee reviews for insights on health benefits and any recent changes or updates. Indeed: Explore employee reviews and salary data, focusing on health benefits. LinkedIn: Look at company updates and posts that may include information on health benefits. Business Insider: Search for any articles related to employee benefits at Encompass Health. HR News Sites: Check specialized HR and benefits news websites for articles or reports on Encompass Health's employee health benefits. Healthcare-Related Terms and Acronyms: Health Savings Account (HSA): A tax-advantaged savings account used to pay for qualified medical expenses. Flexible Spending Account (FSA): An account that allows employees to use pre-tax dollars for eligible healthcare expenses. Co-Pay: A fixed amount paid by the insured for covered services. Deductible: The amount an employee pays out-of-pocket before insurance coverage begins. Premium: The amount paid for insurance coverage, typically monthly. Out-of-Pocket Maximum: The maximum amount an employee has to pay for covered services in a plan year.
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For more information you can reach the plan administrator for Encompass Health at 9001 Liberty Parkway Birmingham, AL 35242; or by calling them at (205) 967-7116.

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