HCA Healthcare 401(k) at a glance
| Employer match | HCA matches 100% of your contributions up to 3% to 9% of pay, depending on years of vesting service (9% at 25+ years). |
|---|---|
| Maximum match | 9% of pay |
| Vesting | 6 years to fully vestMatching contributions vest 20% after 2 years, then 20% more each year, fully vested after 6 years. |
| Eligibility | The match is paid yearly; you generally must be employed on Dec 31 and have at least 1,000 paid hours in the year. |
| Automatic enrollment | Reported auto-enrollment at 3% after about 2 months, rising 1% a year. |
| Stock purchase plan | HCA offers an employee stock purchase plan (per 10-K). |
| Who this applies to | US employees of HCA Healthcare facilities |
Good to know
- Tier shown is the entry level (3%); the match rises by about 1% of pay per 5 years of service up to 9%.
- Vesting, hours rule and auto-enroll details come from secondary/advisor sources.
- The match rate depends on years of service, so no single salary example applies.
Other HCA Healthcare retirement benefits
- Nonqualified Restoration Plan for higher earners
- Tuition and student loan payment assistance
How to make the most of your HCA Healthcare 401(k)
- Always get the full match. Contribute enough to earn every matching dollar. It is an instant return you cannot get anywhere else.
- Check your vesting date before you change jobs, so you do not leave unvested money behind.
- Pre-tax or Roth? If you expect a higher tax rate in retirement, Roth contributions can pay off. Model it with our Roth conversion calculator.
- Watch fees and prefer low-cost index or target-date funds in the plan lineup.
- Plan the whole picture: see how your state taxes retirement income before you decide where to retire.
Frequently asked questions
Does HCA Healthcare match 401(k) contributions?
HCA matches 100% of your contributions up to 3% to 9% of pay, depending on years of vesting service (9% at 25+ years).
When does the HCA Healthcare 401(k) match vest?
Matching contributions vest 20% after 2 years, then 20% more each year, fully vested after 6 years.
When can I join the HCA Healthcare 401(k)?
The match is paid yearly; you generally must be employed on Dec 31 and have at least 1,000 paid hours in the year.
Sources (last verified 2025)
- HCA Healthcare Form 10-K (FY2025), Note 12 Employee Benefit Plans — HCA Healthcare / SEC (2026-02)
- How To Maximize Your HCA Benefits To Retire Early — Acute Wealth Care
- HCA 401(k) — Beagle
Educational content only, not tax, legal or investment advice. Plans and tax laws change; confirm details with your employer's plan documents or your state revenue department. Smart Financial Lifestyle is not affiliated with any employer named on this site.