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

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Why AdaptHealth Employees Can Thrive in Retirement Without a Bucket List

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Healthcare Provider Update: Healthcare Provider for AdaptHealth AdaptHealth primarily partners with various healthcare providers to deliver home healthcare solutions, including respiratory therapy and durable medical equipment. Specific partnerships may vary by location, but AdaptHealth collaborates with hospitals, rehabilitation centers, and other healthcare professionals to ensure comprehensive patient care. Potential Healthcare Cost Increases in 2026 In 2026, healthcare costs are anticipated to rise significantly, fueled by a combination of factors including the potential expiration of enhanced premium subsidies from the Affordable Care Act (ACA), which could leave millions facing drastically increased out-of-pocket expenses. With insurers requesting average premium hikes of approximately 20% nationwide, and some states experiencing spikes exceeding 60%, more than 22 million consumers could see their monthly premiums swell by over 75%. The outcome of these rising costs could severely limit access to affordable healthcare for middle-income families, as they grapple with the cumulative impacts of increasing medical costs and reduced financial assistance. Click here to learn more

The first few years of retirement are frequently a time of transitions for many, including those leaving AdaptHealth. It is a critical period that can influence the next few decades financially and emotionally. At the age of sixty-six, Wall Street Journal distinguished editor Stephen Kreider Yoder announced his retirement. His wife, sixty-seven-year-old Karen Kreider Yoder, followed suit. Their experiences, highlighted in the 'Retirement Rookies' column each month, demonstrate a departure from conventional retirement preparation. They emphasize crafting adaptable, meaningful experiences that serve as a foundation for future undertakings over following predetermined bucket lists.


This approach to retirement highlights a larger movement among individuals reimagining their post-employment years. By focusing on personal development and continual exploration, retirees can ensure a fuller, more satisfying experience. This narrative offers invaluable insights for AdaptHealth employees looking to maximize their life-changing retirement years.

Recent studies by the American Psychological Association (APA) underline the advantages of the Yoders' method of unstructured retirement planning. The research indicates that retirees adhering rigidly to their pre-planned bucket lists report lower levels of satisfaction and fulfillment compared to those who engage in activities based on their own interests and whims. This suggests that a flexible retirement lifestyle can lead to more fulfilling and significant experiences, an important consideration as employees transition from structured careers to the freedom of retirement.


In the Retirement Rookies column, Stephen and Karen Kreider Yoder share their journeys and offer a fresh perspective on retirement planning. Learn why they're passing on typical bucket lists in favor of flexible, meaningful experiences, and how this strategy might enhance your post-work years at AdaptHealth. Discover how embracing an unstructured retirement can lead to increased contentment and pleasure, setting the stage for a rewarding future.

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Forgoing a conventional retirement plan is akin to sailing a ship without a defined course. Retirees like the Yoders choose to navigate the waters of their golden years with the liberty to uncover new horizons as they appear, rather than charting every port of call. This method, much like a sailor discovering new adventures in uncharted waters, allows them to encounter unexpected joys and experiences, enriching each day with personal growth and satisfaction.

What is the primary purpose of AdaptHealth's 401(k) plan?

The primary purpose of AdaptHealth's 401(k) plan is to help employees save for retirement by providing a tax-advantaged way to invest their earnings.

Who is eligible to participate in AdaptHealth's 401(k) plan?

All full-time employees of AdaptHealth who meet specific age and service requirements are eligible to participate in the 401(k) plan.

Does AdaptHealth offer a company match for contributions to the 401(k) plan?

Yes, AdaptHealth provides a company match for employee contributions to the 401(k) plan, enhancing the overall savings potential.

How can employees of AdaptHealth enroll in the 401(k) plan?

Employees can enroll in AdaptHealth's 401(k) plan by completing the enrollment process through the company's benefits portal or by contacting the HR department.

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

AdaptHealth'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 of AdaptHealth change their contribution amounts to the 401(k) plan?

Yes, employees can adjust their contribution amounts to AdaptHealth's 401(k) plan at any time, subject to the plan's guidelines.

What is the vesting schedule for AdaptHealth's 401(k) company match?

AdaptHealth has a vesting schedule for the company match, meaning employees must work for a certain period before they fully own the matched funds.

Are there any fees associated with AdaptHealth's 401(k) plan?

Yes, there may be administrative fees and fund expense ratios associated with AdaptHealth's 401(k) plan, which are disclosed in the plan documents.

What happens to the 401(k) plan if an employee leaves AdaptHealth?

If an employee leaves AdaptHealth, they can choose to roll over their 401(k) balance to another retirement account, cash out, or leave the funds in the plan, subject to certain conditions.

Can employees take loans against their 401(k) balance at AdaptHealth?

Yes, AdaptHealth allows employees to take loans against their 401(k) balance, subject to the terms and conditions set forth in the plan.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
AdaptHealth has announced a restructuring plan to streamline operations and reduce costs due to declining revenue in its home medical equipment segment. The company will be laying off 15% of its workforce as part of this plan.
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For more information you can reach the plan administrator for AdaptHealth at 220 West Germantown Pike, Suite 250 Plymouth Meeting, PA 19462; or by calling them at (844) 415-6016.

*Please see disclaimer for more information

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