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

How D.R. Horton Retirees Are Using AI to Simplify Everyday Life

Healthcare Provider Update: Healthcare Provider for D.R. Horton D.R. Horton, being a major homebuilding company, typically provides health insurance through large insurers like UnitedHealthcare and Cigna. These providers offer a range of plans to support D.R. Horton employees and their families, including options for both individual and family coverage. Potential Healthcare Cost Increases in 2026 As we look ahead to 2026, healthcare consumers can expect significant premium increases, particularly driven by the looming expiration of enhanced federal subsidies under the Affordable Care Act. Reports indicate that some individuals may face premium hikes of up to 75%, severely impacting access to affordable healthcare. Coupled with rising medical costs-amplified by inflation and increased demand for services-these changes could place a substantial financial burden on employees and their families. The combination of these factors suggests that proactive planning in 2025 will be essential for managing the coming year's healthcare expenses. Click here to learn more

'Artificial intelligence is helping many D.R. Horton employees simplify their transition into retirement by organizing finances and daily routines, but the key is to use these tools as support—not substitution—for thoughtful planning and professional guidance.' — Paul Bergeron, a representative of The Retirement Group, a division of Wealth Enhancement.

'D.R. Horton employees are finding that AI can streamline everything from budgeting to wellness, but lasting success in retirement comes from combining technology’s efficiency with informed financial decision-making.' — Tyson Mavar, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article, we will discuss:

How artificial intelligence (AI) is helping D.R. Horton retirees simplify daily life and handle complex tasks.
The ways AI can enhance health, home, and financial organization in retirement.
Why retirees are increasingly confident using AI to boost efficiency and reclaim valuable time.

Many D.R. Horton retirees are discovering that slowing down isn’t always easy, despite looking for respite from decades of early mornings, complex undertakings, and global operations. Handling investments, planning vacations, and staying organized can still feel demanding during retirement.

That’s where artificial intelligence (AI) has stepped in. What once seemed futuristic is now a practical tool for D.R. Horton’s retired professionals who want to streamline routines and reclaim valuable time.

According to Wealth Enhancement financial planner Kevin Won, CFP®, AWMA®, CRPC®, “we’re seeing older adults experimenting with AI tools for efficiency. They understand that these tools can help them reclaim time, which is one of life’s most precious resources.”

Simplifying Complex Tasks

While still in the workforce, AI is helping D.R. Horton employees transform their daily workflow. Tasks that once took hours—such as reviewing financial reports or tracking industry or market data—now take minutes with the help of AI assistants that can summarize data, highlight key performance trends, and draft personal reports.

Others are using AI to enhance their personal lives. For instance, with an AI-powered trip planner, it's possible to enter your preferred travel destinations, dates, and hobbies, and have the chatbot design an itinerary for you complete with dining, sightseeing, and activity suggestions.

The same is true after retirement. “The retirees I work with value how AI brings order and clarity,” Won adds. “Whether it’s comparing health care options or managing monthly expenses, these tools can handle the heavy lifting so retirees can focus on other areas of their lives.”

Improving Health and Home Management

Many former D.R. Horton professionals are also turning to AI for personal wellness and home organization. Some use chatbots for home maintenance guidance, while others leverage AI to build custom workout plans that adapt to travel schedules or physical limitations. These tools help retirees maintain consistency without needing advanced tech skills or expensive memberships.

According to Won, “AI can give older adults autonomy. They don’t need to wait for instruction or assistance. Technology enables them to take the lead in their daily lives, including finances and health care choices.”

A Modern Assistant for Financial Confidence

Retirees can also use AI to help arrange their financial information before meetings with advisors. From summarizing financial articles to preparing questions, AI helps retirees save time while staying informed. Some even use it as a digital filing assistant, categorizing tax documents, receipts, and travel logs for the upcoming year.

Won cautions, however, that “AI should be viewed as guidance, not a promise. It’s a powerful assistant, but it can still make errors—especially on topics like health or finance—so always double-check important information.”

From Skepticism to Confidence

While some retirees were initially hesitant to adopt AI, many have now incorporated it into their routines. Surveys show that, while older generations are slower to adopt new technologies, comfort and usage are steadily rising.¹

Won explains, “Retirees who’ve spent decades adapting to innovation in corporate environments, like D.R. Horton, already have the resilience and mindset needed to learn new tools. Now, AI works for them—reducing complexity, not adding to it.”

A Smart Way to Simplify Retirement

For many retirees, using AI is about boosting productivity, not just curiosity. Automating travel planning, organizing budgets, and reducing decision fatigue can make retirement more manageable and less stressful.

According to Won, “you’re really adding peace of mind when you integrate smart tools into daily life. The goal isn’t to master the technology. It’s to let it operate behind the scenes so you can focus on what matters most.”

If you’re a D.R. Horton retiree looking to organize your finances, streamline health care costs, or enjoy your retirement with fewer hassles, The Retirement Group can help. Call (800) 900-5867 to speak with a knowledgeable representative today.

For more information, visit WealthEnhancement.com or call Wealth Enhancement Group at (800) 492-1222 to speak with a Certified Financial Planner.

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Articles you may find interesting:

Sources:

1. Kakulla, Brittne, Laura Skufca, Patty David, Jessica Boothe, and Kristen Garrett. ' Empowering Independence With Technology Among Adults Age 50-Plus .' Washington, DC: AARP Research, Jan. 2025.
2. “Young Adults Are Leading the Way in AI Adoption.” AP-NORC Center for Public Affairs Research, 29 July 2025.
3. Chui, Michael, et al. The Economic Potential of Generative AI: The Next Productivity Frontier. McKinsey Global Institute, June 2023.
4. Chatbots in Consumer Finance. Consumer Financial Protection Bureau, June 2023.
5. “Older Adults Express Mixed Views on Artificial Intelligence.” NORC at the University of Chicago, Oct. 2023.

What type of retirement plan does D.R. Horton offer to its employees?

D.R. Horton offers a 401(k) retirement savings plan to its employees.

Is there a company match for contributions made to the D.R. Horton 401(k) plan?

Yes, D.R. Horton provides a company match for employee contributions to the 401(k) plan, subject to certain limits.

How can employees enroll in the D.R. Horton 401(k) plan?

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

What is the eligibility requirement for D.R. Horton employees to participate in the 401(k) plan?

Generally, D.R. Horton employees are eligible to participate in the 401(k) plan after completing a specified period of service, as outlined in the plan documents.

Can D.R. Horton employees take loans against their 401(k) savings?

Yes, D.R. Horton allows employees to take loans against their 401(k) savings, subject to the plan's terms and conditions.

What investment options are available in the D.R. Horton 401(k) plan?

The D.R. Horton 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles.

How often can D.R. Horton employees change their 401(k) contribution amounts?

D.R. Horton employees can change their 401(k) contribution amounts at designated times throughout the year, as specified in the plan rules.

What is the vesting schedule for D.R. Horton’s company match in the 401(k) plan?

The vesting schedule for D.R. Horton’s company match typically follows a graded vesting schedule, which means employees earn ownership of the match over time.

Are there any fees associated with managing the D.R. Horton 401(k) plan?

Yes, there may be fees associated with managing the D.R. Horton 401(k) plan, which are disclosed in the plan documents and annual statements.

How can D.R. Horton employees access their 401(k) account information?

D.R. Horton employees can access their 401(k) account information online through the plan’s designated website 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.

D.R. Horton offers its employees both a defined contribution pension plan and a 401(k) plan, known as the D.R. HORTON, INC. PROFIT SHARING PLUS PLAN. The 401(k) plan is managed through Empower and is available to 9,393 employees as of the latest data. This plan allows participants to contribute a portion of their salary towards their retirement savings, with D.R. Horton offering a matching contribution. Typically, the company matches 50% of employee contributions up to a certain percentage of their salary. The defined contribution pension plan provided by D.R. Horton also plays a key role in helping employees build a secure financial future. While specific details on eligibility requirements like years of service and age qualification are not publicly available, the defined contribution nature of the plan suggests that the benefits are likely based on the total contributions made by both the employee and the employer over time.

Pension Liability Concerns: D.R. Horton has seen fluctuations in its pension liabilities over the past few years. The company’s pension liabilities in 2023 were reportedly stable, though previous years have shown variability. Monitoring these liabilities is essential in understanding the company’s long-term financial commitments. Importance: It's crucial to address this news given the potential impact of economic shifts and tax regulations on the housing market and employee benefits, which can directly influence D.R. Horton's financial stability.

Stock Options (SOs): Employees of D.R. Horton may be granted stock options that allow them to purchase company stock at a predetermined price after a certain vesting period. This price is usually set at the market value of the stock on the grant date. Restricted Stock Units (RSUs): RSUs are another form of equity compensation offered by D.R. Horton, where employees are granted units that convert into shares of company stock once certain conditions, such as time-based vesting, are met. Eligibility and Availability: D.R. Horton's stock options and RSUs are typically made available to key employees and executives, though the exact eligibility criteria may vary depending on the employee's role, performance, and tenure with the company. These equity incentives are part of D.R. Horton’s broader strategy to retain top talent and incentivize performance. For example, D.R. Horton’s recent filings indicate continued use of these compensation tools through 2022, 2023, and 2024, with ongoing reviews and updates to their stock option and RSU plans to remain competitive in the market. These incentives are detailed in the company's SEC filings and earnings reports, which are publicly available for shareholders and interested parties to review

D.R. Horton offers a comprehensive health benefits package to its employees, focusing on both short-term and long-term well-being. The company's healthcare offerings include standard health insurance plans, dental and vision coverage, flexible spending accounts (FSAs), and health savings accounts (HSAs) paired with high-deductible health plans (HDHPs). These plans provide employees with a wide range of coverage options, from basic preventative care to more comprehensive services.

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For more information you can reach the plan administrator for D.R. Horton at 1341 Horton Cir Arlington, TX 76011; or by calling them at (817) 390-8200.

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