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Expedia Group Employees Confront the Fear of Running Out of Money in Retirement

Healthcare Provider Update: Expedia Group's Healthcare Provider Expedia Group primarily offers health benefits through a variety of healthcare providers, with specific partnerships often varying by location and employee choices. They typically utilize major insurers such as UnitedHealthcare, Aetna, and others, ensuring a broad range of options for their employees. Such partnerships supply a variety of plans catering to the needs of their diverse workforce. Potential Healthcare Cost Increases in 2026 As we look ahead to 2026, Expedia Group employees may face significant healthcare cost increases driven by a perfect storm of factors, including the anticipated expiration of enhanced subsidies under the Affordable Care Act (ACA). With some states projecting premium hikes exceeding 60%, the potential loss of these critical financial supports could result in average out-of-pocket costs spiking by 75% for many individuals. These rising costs are compounded by escalating medical expenses and aggressive rate hikes from major insurers, creating substantial financial challenges for both employees and retirees. As these shifts unfold, proactive healthcare budgeting and strategic planning become essential for employees to navigate the changing landscape effectively. Click here to learn more

'To allay long-term financial concerns, Expedia Group employees may benefit from a comprehensive retirement strategy that addresses inflation, health care costs, and tax planning.' – Michael Corgiat, a representative of The Retirement Group, a division of Wealth Enhancement.

'Proactive retirement planning—especially around inflation, health care, and shifting tax policies—can help Expedia Group employees gain clarity and reduce uncertainty in the years leading up to retirement.' – Brent Wolf, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article we will discuss:

Key causes of retirement anxiety, including inflation, health care, and taxes.
Generational differences in money concerns and readiness.
The value of broad retirement planning approaches.

Retirement Anxiety is On The Rise

Employees across industries, including those at Expedia Group, have long worried about how they will fund retirement. These concerns have grown considerably in today’s economy. Nearly two out of three Americans (64%) said they worry more about outliving their resources than they do about dying, according to the Allianz Center for the Future of Retirement’s 2025 Annual Retirement Study. ¹

Main Causes of Retirement-Related Worry

The Allianz study lists several key triggers of these fears. Regarding long-term planning, 54% of respondents said inflation was their top worry. Increases in health care costs, housing, and food prices are still undermining people’s purchasing power.

Concerns around Social Security’s future and tax burdens are also high. 43% said they feared Social Security might not offer adequate support. And another 43% named high taxes as a major issue.

Generational Gaps in Money Stress

Gen X—often balancing care for both kids and aging parents—report the highest worry: 70% versus 66% of millennials and 61% of boomers. Among corporate workers, including those at Expedia Group, this dynamic underlines how family obligations can magnify retirement concerns.

The Gap Between Worry and Action

The survey shows a gap between concern and conversation: just 23% of respondents have talked about outliving their assets with a retirement specialist, down from 28% in 2024. ² That said, Americans are considering several strategies to allay these fears, ranking the following approaches as most helpful:

41% said cutting current spending to funnel more toward retirement 
44% said increasing retirement contributions 
39% said postponing retirement
While increasing contributions to retirement accounts could help address these concerns, barriers remain: daily necessities (63%), credit card debt (40%), mortgage or rent (35%) were top reasons people weren’t contributing more.

The Emotional Side of Retirement Anxiety

Retirement fears influence not just finances, but lifestyle, career choices, and family planning. Worries about independence, dignity, and quality of life often accompany fear of running short on funds.

Health care need are often underestimated too, complicating the equation. Medicare covers many basic services, but long‑term care, home assistance, and uncovered treatments can add large bills—adding uncertainty even for high‑income employees.

Broader Retirement Planning Matters

The Allianz findings emphasize planning well beyond just saving. With people living 25 to 30 years post‑work, a solid planning mindset is critical. As Kelly LaVigne, VP at Allianz Life, noted, “Americans areliving longer… your money needs to go farther. A good plan considers 25 to 30 years of retirement, not just the first ten.” ²

Key components often include:

Income strategies: setting up regular monthly disbursements from assets
Tax planning: reducing tax burdens on withdrawals
Health care planning: factoring in Medicare gaps and long‑term care
Inflation alignment: keeping income responsive to cost increases

Combined, these strategies can help build resilience, confidence, and preparedness even in uncertain times.

In Conclusion

The 2025 Allianz Retirement Study makes it clear: a majority of Americans—and Expedia Group employees among them—see the threat of running out of money as more frightening than death. Rising inflation, health care spending, and uncertainty around Social Security are central drivers. Fewer are taking direct action through planning conversations or boosted contributions.

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Yet there is opportunity. The IRS now permits catch‑up 401(k) contributions of up to $11,250 for those aged 60–63 in 2025—above the standard limit. For many, this is a practical way to fortify resources in those final working years.

A Final Thought

Think of retirement like a long sea voyage. Death may be the storm ahead, but empty savings are the leak that can sink the ship first. According to the Allianz study, 64% of Americans fear that leak more than the storm. For Expedia Group employees, the goal is to build a well-structured plan—with consistent income, planning for health costs, and tax awareness—that can keep the vessel afloat for the long haul.

Sources:

1. Allianz Life Insurance Company of North America, ' How Americans feel about retirement in 2025 ,' by the Allianz Center for the Future of Retirement ^TM , June 2025.

2. businesswire, ' Americans Are More Worried About Running Out of Money Than Death ,' April 22, 2025.

What type of retirement plan does Expedia Group offer to its employees?

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

Does Expedia Group match employee contributions to the 401(k) plan?

Yes, Expedia Group provides a matching contribution to employee 401(k) plans, subject to certain limits.

What is the eligibility criteria for participating in Expedia Group's 401(k) plan?

Employees of Expedia Group are generally eligible to participate in the 401(k) plan after completing a specified period of service.

How can employees at Expedia Group enroll in the 401(k) savings plan?

Employees can enroll in the Expedia Group 401(k) savings plan through the company’s HR portal or by contacting the HR department for assistance.

What investment options are available in Expedia Group's 401(k) plan?

Expedia Group offers a variety of investment options in its 401(k) plan, including mutual funds, target-date funds, and other investment vehicles.

Can employees at Expedia Group take loans against their 401(k) savings?

Yes, Expedia Group allows employees to take loans against their 401(k) savings, subject to the plan's rules and limits.

What is the vesting schedule for employer contributions in Expedia Group's 401(k) plan?

The vesting schedule for employer contributions at Expedia Group typically follows a graded vesting schedule, which employees can review in the plan documents.

How often can employees change their contribution amounts to the 401(k) plan at Expedia Group?

Employees at Expedia Group can change their contribution amounts to the 401(k) plan multiple times throughout the year, as allowed by the plan.

Does Expedia Group offer financial education resources for employees regarding their 401(k) plan?

Yes, Expedia Group provides financial education resources and tools to help employees make informed decisions about their 401(k) savings.

What happens to an employee's 401(k) savings if they leave Expedia Group?

If an employee leaves Expedia Group, they can choose to roll over their 401(k) savings to another retirement account, leave the funds in the current plan, or withdraw the funds, subject to applicable taxes and penalties.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.

Expedia Group offers its employees a 401(k) plan and retirement savings options. Their 401(k) plan allows eligible employees to contribute pre-tax earnings, with the company providing a match for a portion of the contributions. According to the IRS limits, contributions in 2022 were capped at $20,500, in 2023 at $22,500, and in 2024 at $23,000 (Wikipedia) (Wikipedia). Expedia's retirement plan is primarily a defined contribution plan rather than a traditional defined benefit pension plan (Wikipedia). Expedia employees become eligible for the 401(k) plan after meeting specific service requirements, and they can take advantage of company matching to boost their retirement savings (TIAA). For example, the plan may offer a match of up to 5% of salary depending on the employee’s contribution. Withdrawals from the plan without penalty are available after reaching the age of 59½, but hardship withdrawals are allowed under specific conditions, such as medical emergencies or home purchase

In 2023, Expedia Group announced a restructuring plan to streamline its operations and cut costs. This involved laying off around 10% of its workforce as part of an effort to improve operational efficiency and focus on its core businesses. The company cited the need to adapt to the changing travel industry landscape and economic pressures as reasons for these cuts.

Stock Option Acronym: SO Description: Expedia Group offers stock options to its employees as part of its compensation package. Stock options typically vest over a period of time, providing employees with the opportunity to purchase company stock at a predetermined price. Stock Option Availability: Available to a range of employees including executives and senior management. The options are often granted based on performance and tenure.

URL: Expedia Group Careers Details: Look for sections related to employee benefits or health insurance. The official site usually has the most current and accurate information. Glassdoor: URL: Glassdoor Expedia Group Benefits Details: Employee reviews and benefits information provided by current and former employees. Indeed: URL: Indeed Expedia Group Benefits Details: Insights from employee reviews about health benefits and other compensation aspects. LinkedIn: URL: LinkedIn Expedia Group Careers Details: Company profiles often include information about benefits and employee experiences. Forbes or Business Insider: URL: Search for relevant articles or news on Forbes or Business Insider Details: Look for any recent articles discussing Expedia Group’s health benefits or employee compensation updates.

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For more information you can reach the plan administrator for Expedia Group at , ; or by calling them at .

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