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

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Bridging the Gap: Realistic Retirement Planning Insights for Keysight Technologies Employees

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Healthcare Provider Update: Healthcare Provider for Keysight Technologies Keysight Technologies partners with various health insurance carriers to provide healthcare options to its employees. Typically, companies of this size collaborate with major national insurers such as UnitedHealthcare, Anthem (Elevance Health), or Cigna, offering comprehensive health plans that cover a range of medical services. However, the specific provider used by Keysight may vary based on employee location and plan choices. Healthcare Cost Increases in 2026 As we approach 2026, healthcare costs are projected to see considerable increases, with premiums for Affordable Care Act (ACA) marketplace plans expected to rise sharply. Various states have already reported anticipated hikes-some exceeding 60%-driven by factors such as rising medical expenses and the potential loss of enhanced federal subsidies. With over 22 million enrollees potentially feeling the impact, many could face premium increases of over 75%, complicating access to affordable healthcare amidst deteriorating economic conditions. This significant rise poses challenges for consumers and underscores the urgency for strategic planning to mitigate financial impacts. Click here to learn more

Keysight Technologies retirement preparation is essential in this day and age, but new research indicates that seniors' financial realities differ significantly from those of individuals who are approaching retirement. This disparity prompts questions about how adequately American workers are preparing for retirement.


This risk is highlighted in a seminal research conducted by the Nationwide Retirement Institute. According to a survey of 1,000 persons in the United States between the ages of 60 and 65, retirees typically spend a significant amount more on necessities than their working counterparts do. This discrepancy emphasizes how crucial it is to approach retirement budgeting realistically.

One important thing to keep in mind while making Keysight Technologies retirement plans is gold IRAs. Gold IRAs are distinct from conventional retirement accounts in that they are supported by gold and other precious metal assets, such as silver, platinum, and palladium. This alternate investing option provides a different way to save for retirement.

The survey's findings indicate that living expenses after retirement are typically underestimated. While working people expected to spend 42% of their budget on basics like food and housing, retirees estimated spending 53% of their income on these items. There's also a difference in expectations about retirement age. Although contemporary employees anticipate retiring at age 67, in practice retirement generally starts at age 60.

Additionally, the experiences of Keysight Technologies retirees do not match the expectations of current employees about lifestyle. Even though 68% of retirees say their lives are comfortable, a sizable percentage—nearly a third—do not feel this way. On the other hand, 77% of employees who have not yet retired anticipate having a comfortable retirement, suggesting that expectations and realities may differ.

Keysight Technologies retiree's financial needs are impacted by a number of variables, such as geography, debt, and lifestyle preferences. According to the U.S. Bureau of Labor Statistics, in 2021, households headed by individuals 65 years of age or older spent $4,345 on average each month. This figure emphasizes the need of having a thorough and practical retirement financial plan.


Underspending on retirement has serious repercussions. A third of retirees are thinking about returning to the labor or have already done so, mostly because of financial worries, according to the Nationwide poll. Furthermore, according to a September T. Rowe Price analysis, 20% of retirees work either full- or part-time, and nearly half of them do so primarily for financial reasons.

It is impossible to exaggerate the importance of Social Security in retirement preparation. According to the Nationwide survey, 36% of retirees received lower-than-expected Social Security payouts. Pensioners may experience severe financial difficulties due to uncertainties regarding the Social Security trust fund's viability and impending payment reductions. Without legislative action, the Committee for a Responsible Federal Budget projects that benefits will be universally reduced by 23% by 2033.

Both existing retirees and those who are currently employed are affected in their retirement planning by this uncertainty regarding Social Security's future. Only 41% of respondents to the nationwide study expressed confidence in the public safety net's longevity beyond retirement, indicating widespread pessimism about its dependability.

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These results emphasize the vital necessity of realistic and thorough Keysight Technologies retirement planning. Understanding the complexities and potential financial obstacles is crucial as people get closer to retirement. It's critical to plan for unforeseen events like changes in Social Security benefits and to take into account different retirement methods, such as gold individual accounts (IRAs). This strategy guarantees a more comfortable and secure retirement that is in line with the reality that today's seniors must contend with.

When considering Keysight Technologies retirement, one should take the impact of healthcare bills into account. According to a Fidelity Investments report (released in April 2023), a couple planning to retire at age 65 should budget an average of $300,000 for healthcare during their retirement years—not counting long-term care. Budgeting for people who are getting close to retirement age is greatly impacted by this number, which is frequently disregarded in retirement planning. Incorporating healthcare costs into retirement budgets is essential for Keysight Technologies employees and current retirees in order to guarantee a comfortable and financially secure retirement. This extra expense emphasizes the necessity of approaching retirement planning with greater thoroughness.

Without a true idea of what retirement will actually cost, planning for it would be like embarking on a long cruise without consulting a weather forecast or making plans for possible storms. Retirees and those close to retirement must negotiate the unknown waters of healthcare expenditures, lifestyle adjustments, and social security uncertainty, much as a sailor must be ready for shifting seas. To ensure a safe and enjoyable journey to your retirement destination, the road to a comfortable retirement is similar to a sea voyage in that it involves careful planning, awareness of potential problems, and a willingness to modify the sails, in this case, your financial plans.

What type of retirement savings plan does Keysight Technologies offer?

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

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

Yes, Keysight Technologies provides a matching contribution to employee 401(k) plans, enhancing the overall savings potential.

What is the eligibility requirement for Keysight Technologies' 401(k) plan?

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

Can employees at Keysight Technologies choose how their 401(k) contributions are invested?

Yes, employees at Keysight Technologies can choose from a variety of investment options within the 401(k) plan to align with their individual financial goals.

What is the maximum contribution limit for the 401(k) plan at Keysight Technologies?

The maximum contribution limit for the 401(k) plan at Keysight Technologies is determined by IRS regulations, which may change annually.

How often can employees at Keysight Technologies change their 401(k) contribution amounts?

Employees at Keysight Technologies can change their 401(k) contribution amounts at any time, typically through the company’s benefits portal.

Does Keysight Technologies offer a Roth 401(k) option?

Yes, Keysight Technologies offers a Roth 401(k) option, allowing employees to make after-tax contributions for potential tax-free withdrawals in retirement.

What happens to my 401(k) savings if I leave Keysight Technologies?

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

Are there any fees associated with the 401(k) plan at Keysight Technologies?

Yes, there may be administrative fees associated with the 401(k) plan at Keysight Technologies, which are typically disclosed in the plan documents.

How can I access my 401(k) account information at Keysight Technologies?

Employees can access their 401(k) account information through the Keysight Technologies benefits portal or by contacting the plan administrator.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
Keysight Technologies offers competitive retirement benefits, including a 401(k) plan. For employees hired on or after August 1, 2015, the company provides a matching contribution of $1 for every $1 contributed by the employee, up to 4% of their pay, and $0.50 for every additional $1 contributed on the next 4%. This means contributions above 8% are not matched by Keysight. For those hired before August 1, 2015, the matching contribution is $1 for every $1 up to 3%, with an additional $0.50 for contributions on the next 2% of pay. Employees can contribute pre-tax and Roth after-tax contributions to the 401(k) plan, though catch-up and after-tax contributions are not eligible for matching​ (Keysight MatchMaximizer). Keysight Technologies caps the eligible compensation for matching contributions at $345,000, following the IRS 401(a)(17) limit for 2024. However, there is no compensation cap for employee contributions, which are limited to the IRS 402(g) annual limit of $23,000 in 2024. Employees aged 50 and older may also contribute up to $7,500 as a catch-up contribution​
Keysight Technologies reported significant restructuring activities in 2023-2024, including cost-cutting measures and workforce adjustments as part of their strategy to streamline operations. Although the company has demonstrated solid performance in its financial results, there were notable reductions in operational expenditures, including employee compensation and layoffs, primarily due to constrained demand in semiconductor and manufacturing sectors​ (Keysight Investor)​ (Keysight Investor). It is crucial to address these restructuring measures as they reflect the broader economic climate of the tech industry, influenced by fluctuating demand and rising interest rates. For employees, such layoffs could impact retirement planning, pensions, and benefits, especially amid heightened uncertainty around tax laws and potential regulatory changes in the global market.
Stock Options: At Keysight Technologies, stock options are made available to a broad range of employees, particularly those in leadership and key technical roles. These stock options (KEYSO) allow employees to purchase company shares at a predetermined price, offering potential gains as the stock price appreciates. This aligns employees' financial interests with the company's performance. Stock options are typically granted annually, and vesting occurs over a defined period, commonly three to four years, with eligibility depending on the employee's role and tenure. Restricted Stock Units (RSUs): RSUs (KEYRSU) are a prominent part of Keysight's compensation structure, granted primarily to senior employees and high performers. These units represent a promise to deliver company shares at a future date once vesting conditions, such as continued employment or performance targets, are met. RSUs provide an additional incentive for long-term employment and are often part of executive compensation packages. Like stock options, RSUs are awarded annually with multi-year vesting schedules.
Keysight Technologies offers comprehensive health benefits designed to cater to various employee needs, emphasizing affordability and flexibility. The company provides options such as a High Deductible Health Plan (HDHP) with Health Savings Account (HSA) compatibility, which is a popular choice among employees for its tax benefits and lower premiums. The company also includes a lower-deductible plan with higher monthly premiums, catering to those preferring more predictable healthcare expenses. Dental and vision care benefits are part of their offerings, enhancing overall wellness coverage. Keysight has introduced wellness initiatives, such as preventive care incentives, which include routine exams, screenings, and immunizations, to encourage a healthier workforce. The company's health benefits package aligns with its efforts to foster employee well-being by offering both flexibility and robust coverage, including extensive family care options. In recent years, employees have appreciated the ability to select between these two medical plan types, based on their personal or family health needs.
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For more information you can reach the plan administrator for Keysight Technologies at , ; or by calling them at .

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