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Why HCA Healthcare Employees Can Thrive in Retirement Without a Bucket List

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Healthcare Provider Update: Healthcare Provider for HCA Healthcare HCA Healthcare is a large, nationwide health system in the United States, operating over 400 healthcare facilities, including hospitals, outpatient centers, and urgent care clinics. The organization is one of the leading healthcare providers in the U.S., delivering a comprehensive range of healthcare services to millions of patients each year. Potential Healthcare Cost Increases in 2026 In 2026, healthcare costs are expected to rise significantly, potentially affecting millions of Americans. The expiration of enhanced premium subsidies under the Affordable Care Act will likely result in average premium increases upward of 75% for many marketplace enrollees, with some states experiencing hikes exceeding 60%. This steep rise is compounded by continually escalating medical costs and major insurers implementing aggressive rate increases, placing additional financial strain on families and individuals who rely on these essential health services. As HCA Healthcare navigates these changes, it must adapt to the resulting impact on patient care and operational costs. Click here to learn more

The first few years of retirement are frequently a time of transitions for many, including those leaving HCA Healthcare. 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 HCA Healthcare 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 HCA Healthcare. 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 401(k) plan offered by HCA Healthcare?

The 401(k) plan offered by HCA Healthcare is a retirement savings plan that allows employees to save a portion of their salary on a pre-tax or Roth after-tax basis.

Does HCA Healthcare match employee contributions to the 401(k) plan?

Yes, HCA Healthcare provides a matching contribution to employee 401(k) accounts, which helps to enhance retirement savings.

How can I enroll in the 401(k) plan at HCA Healthcare?

Employees can enroll in the HCA Healthcare 401(k) plan through the company's benefits portal during the enrollment period or when they first become eligible.

What types of investment options are available in the HCA Healthcare 401(k) plan?

HCA Healthcare's 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and company stock.

Is there a waiting period before I can participate in the HCA Healthcare 401(k) plan?

Yes, HCA Healthcare may have a waiting period for new employees before they can participate in the 401(k) plan, typically based on the employee's start date and eligibility criteria.

How much can I contribute to my 401(k) plan at HCA Healthcare?

Employees at HCA Healthcare can contribute up to the IRS limit for 401(k) contributions, which may change annually.

Can I take a loan against my 401(k) savings at HCA Healthcare?

Yes, HCA Healthcare allows employees to take loans against their 401(k) savings, subject to specific terms and conditions.

What happens to my 401(k) if I leave HCA Healthcare?

If you leave HCA Healthcare, you can choose to roll over your 401(k) balance into another retirement account, cash it out, or leave it in the HCA Healthcare plan if you meet the eligibility requirements.

Can I change my contribution amount to the HCA Healthcare 401(k) plan?

Yes, employees can change their contribution amounts to the HCA Healthcare 401(k) plan at any time, subject to the plan's rules.

Does HCA Healthcare provide financial education regarding the 401(k) plan?

Yes, HCA Healthcare offers resources and financial education to help employees make informed decisions about their 401(k) savings and investments.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
HCA Healthcare is one of the largest for-profit healthcare providers in the U.S., operating hospitals and surgery centers. The company focuses on delivering high-quality healthcare services across its facilities.
HCA Healthcare offers RSUs and stock options to eligible employees. These incentives vest over time, aligning employee interests with company performance.
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For more information you can reach the plan administrator for HCA Healthcare at , ; or by calling them at .

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