Healthcare Provider Update: Healthcare Provider for eXp World Holdings eXp World Holdings primarily offers health insurance plans through UnitedHealthcare for its employees, ensuring access to a wide range of healthcare services and resources. Healthcare Cost Increases in 2026 As of 2026, healthcare costs are projected to surge significantly due to a combination of escalating medical expenses and the potential loss of enhanced federal subsidies. Major insurers, such as UnitedHealthcare, expect to implement steep rate increases, with some states reporting potential hikes exceeding 60%. For many members purchasing in the ACA marketplace, the expiration of premium subsidies could lead to an alarming spike in out-of-pocket costs-potentially increasing by over 75%. This scenario underscores the urgent need for individuals to strategically plan their healthcare options to mitigate financial impacts as they navigate these changes in the healthcare landscape. Click here to learn more
The path to retirement marks a profound transition in life, encompassing not only financial adjustments but significant psychological and physical changes as well. The early years of this phase can deeply influence the subsequent decades, making it crucial for eXp World Holdings employees to approach retirement with a strategic and informed perspective.
Stephen Kreider Yoder and Karen Kreider Yoder provide a clear illustration of how to address the challenges that emerge as retirement nears. Stephen, a former editor at the Wall Street Journal, and his wife Karen have shared their proactive steps to maintain their health and vitality.
Initial Encounters and Preventive Measures
Stephen's experience with a persistent eye issue during his travels highlights a critical aspect of retirement: the inevitability of health issues. What started as a minor blur in his vision led to an emergency room visit in Minnesota, showcasing the unpredictable nature of health in retirement. This incident served as a reminder for eXp World Holdings personnel of the importance of vigilance and early medical consultation, a commitment the couple embraced upon retiring.
The Importance of Regular Health Patterns
Aware of age-related risks like cataracts, macular degeneration, and glaucoma, Stephen and Karen decided to undertake regular health screenings. This includes the Medicare Wellness Visit, a preventive measure that helps create personalized plans to ward off illnesses. During these visits, assessments such as cognitive tests are performed, which Stephen passed, highlighting an essential element of health monitoring for eXp World Holdings retirees.
Lifestyle Adjustments and Risk Management
They have also focused on adapting their lifestyle to reduce health risks. For example, Stephen stopped climbing stairs and both are more cautious about multitasking while walking. These adjustments are part of broader risk-reduction rules they have set to prevent falls and other accidents, particularly relevant as physical flexibility decreases with age at eXp World Holdings.
Nutritional Considerations and Physical Activity
Karen takes a proactive approach to preserving her health, consulting healthcare professionals, including family members who are physicians. She has been advised to focus on prevention through diet, physical activity, and mental health practices. Following longevity experts like Peter Attia, she aims to maintain a diet rich in grains, white meats, and primarily plants, alongside regular physical activities like cycling and weight training, ensuring eXp World Holdings employees maintain a healthy lifestyle.
Psychological Well-being and Social Engagement
The mental aspect of retirement is as crucial as the physical side. Loneliness and social isolation can lead to depression and other mental health issues in older adults. Karen and Stephen are aware of this, striving to remain socially active, which is essential for emotional and psychological well-being among eXp World Holdings colleagues.
Financial Health as Part of Overall Health
While their monthly columns lack explicit financial details, the financial aspect of retirement is inherently connected to overall health. The eye condition that Stephen encountered resulted in a significant medical bill, for which they were partially responsible. This situation highlights the importance of financial planning and the potential for unexpected expenses associated with aging for eXp World Holdings employees.
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In Conclusion
The Yoders' journey serves as a reflective example for many entering this life phase at eXp World Holdings. They emphasize the importance of a holistic approach to retirement that includes health vigilance, preventive care, lifestyle adjustments, and maintaining social connections. As they navigate their later years, their experiences and insights offer valuable lessons on managing and possibly enhancing the chances of a healthy recovery.
Adopting a holistic perspective on retirement is not just about preserving health but also ensuring that life's later years are as fulfilling and enriching as possible. The proactive measures taken by the Yoders serve as a model for others, showing that while aging is inevitable, deterioration is not an absolute outcome if appropriate steps are taken.
A recent study by the American Heart Association (2021) underscores the importance of maintaining cardiovascular health in retirement. According to the study, individuals over 60 can significantly reduce their risk of cardiovascular diseases by engaging in moderate aerobic activities like brisk walking for at least 150 minutes per week. This routine not only improves heart health but also strengthens physical and mental well-being, essential components for a fulfilling retirement for eXp World Holdings retirees. Incorporating regular cardiovascular activity is a proactive initiative to extend vitality and reduce health expenses in the coming years.
What type of retirement plan does eXp World Holdings offer to its employees?
eXp World Holdings offers a 401(k) retirement savings plan to its employees.
Does eXp World Holdings provide matching contributions to the 401(k) plan?
Yes, eXp World Holdings provides a matching contribution to the 401(k) plan to help employees save for retirement.
What is the eligibility requirement to participate in the eXp World Holdings 401(k) plan?
Employees of eXp World Holdings are eligible to participate in the 401(k) plan after completing a specified period of service.
How can employees of eXp World Holdings enroll in the 401(k) plan?
Employees can enroll in the eXp World Holdings 401(k) plan through the company’s online benefits portal.
What investment options are available in the eXp World Holdings 401(k) plan?
The eXp World Holdings 401(k) plan offers a variety of investment options, including mutual funds and target-date funds.
Can employees of eXp World Holdings take loans against their 401(k) savings?
Yes, eXp World Holdings allows employees to take loans against their 401(k) savings under certain conditions.
What happens to the 401(k) plan if an employee leaves eXp World Holdings?
If an employee leaves eXp World Holdings, they can choose to roll over their 401(k) balance to another retirement account or withdraw the funds, subject to penalties and taxes.
Does eXp World Holdings allow for hardship withdrawals from the 401(k) plan?
Yes, eXp World Holdings permits hardship withdrawals from the 401(k) plan under specific circumstances.
What is the vesting schedule for the eXp World Holdings 401(k) matching contributions?
The vesting schedule for eXp World Holdings’ matching contributions typically follows a graded vesting schedule, which employees can review in the plan documents.
How often can employees of eXp World Holdings change their 401(k) contribution amounts?
Employees can change their 401(k) contribution amounts at any time, subject to the plan’s guidelines.