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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 TopBuild?

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Healthcare Provider Update: Healthcare Provider for TopBuild TopBuild Corporation typically partners with major insurers to provide health benefits to its employees. As of now, TopBuild collaborates with UnitedHealthcare for its healthcare coverage options, facilitating access to a wide range of health services for its workforce. Potential Healthcare Cost Increases in 2026 Looking ahead to 2026, healthcare costs are projected to surge significantly, primarily driven by anticipated record hikes in Affordable Care Act (ACA) premiums. With some states expecting increases upwards of 60%, nearly 92% of ACA enrollees could see their out-of-pocket premiums rise by over 75, driven by the expiration of enhanced federal subsidies and increasing medical costs. Insurers are grappling with escalating healthcare expenses, leading to a perfect storm of financial strain on consumers as they navigate the impending marketplace changes. As a result, strategies to mitigate these costs will be essential for families and individuals in the coming year. 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 TopBuild 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 TopBuild employees to understand the current economic climate and spot emerging trends require these kinds of information.

Picture your retirement from TopBuild 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 TopBuild?

The 401(k) plan offered by TopBuild is a retirement savings plan that allows employees to save a portion of their paycheck before taxes are taken out.

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

Yes, TopBuild offers a matching contribution to the 401(k) plan, helping employees to grow their retirement savings.

What is the eligibility requirement for TopBuild's 401(k) plan?

Employees at TopBuild are eligible to participate in the 401(k) plan after completing a specified period of service, typically within the first year of employment.

How can employees enroll in TopBuild's 401(k) plan?

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

What types of investment options are available in TopBuild's 401(k) plan?

TopBuild's 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles to suit different risk tolerances.

Can employees change their contribution amount to the 401(k) plan at TopBuild?

Yes, employees at TopBuild can change their contribution amount at any time, subject to the plan's guidelines.

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

TopBuild has a vesting schedule for matching contributions, meaning employees must work for a certain period before they fully own the matched funds.

Are there loan options available through TopBuild's 401(k) plan?

Yes, TopBuild allows employees to take loans against their 401(k) balance under certain conditions, providing flexibility for financial needs.

What happens to my 401(k) if I leave TopBuild?

If you leave TopBuild, you can choose to roll over your 401(k) balance to a new employer's plan, an IRA, or withdraw the funds, subject to tax implications.

How often can employees contribute to TopBuild's 401(k) plan?

Employees can contribute to TopBuild's 401(k) plan with each paycheck, allowing for regular savings throughout the year.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
TopBuild announced a restructuring plan to streamline operations, resulting in a reduction of 5% of its workforce. The company is also modifying its benefits package to include more flexible work arrangements and updated retirement planning options.
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For more information you can reach the plan administrator for TopBuild at , ; or by calling them at .

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