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

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Why Marriott International Employees Can Thrive in Retirement Without a Bucket List

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Healthcare Provider Update: Healthcare Provider for Marriott International: Marriott International's primary healthcare provider offerings for employees are typically administered through various insurers, including but not limited to UnitedHealthcare, Aetna, and Cigna. These providers offer a range of health plans tailored to the needs of Marriott's workforce. Healthcare Cost Increases in 2026: As we approach 2026, healthcare costs are expected to surge significantly, particularly for employees enrolled in Affordable Care Act (ACA) marketplace plans. With projections indicating premium hikes exceeding 60% in some states and the potential loss of enhanced federal subsidies, many Marriott International employees could see their out-of-pocket costs rise dramatically. Industry analysts forecast that without congressional action, over 22 million marketplace enrollees, including a significant number of Marriott employees, may face an increase of more than 75% in their monthly premiums in 2026, exacerbating the financial burden on healthcare consumers. Click here to learn more

The first few years of retirement are frequently a time of transitions for many, including those leaving Marriott International. 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 Marriott International 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 Marriott International. 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 Marriott International?

The 401(k) plan at Marriott International is a retirement savings plan that allows employees to save a portion of their salary on a pre-tax basis.

How can Marriott International employees enroll in the 401(k) plan?

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

Does Marriott International offer any matching contributions to the 401(k) plan?

Yes, Marriott International offers a matching contribution to the 401(k) plan, which helps employees boost their retirement savings.

What is the maximum contribution limit for Marriott International's 401(k) plan?

The maximum contribution limit for Marriott International's 401(k) plan is subject to IRS guidelines, which are updated annually.

Can Marriott International employees take loans against their 401(k) savings?

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

What investment options are available in Marriott International's 401(k) plan?

Marriott International's 401(k) plan offers a range of investment options, including mutual funds, target-date funds, and other investment vehicles.

How often can Marriott International employees change their 401(k) contribution amounts?

Employees at Marriott International can change their 401(k) contribution amounts at any time, subject to the plan's rules.

What happens to Marriott International employees' 401(k) savings if they leave the company?

If Marriott International employees leave the company, they can choose to roll over their 401(k) savings to another retirement account or withdraw the funds, subject to tax implications.

Is there a vesting schedule for Marriott International's 401(k) matching contributions?

Yes, Marriott International has a vesting schedule for matching contributions, which means employees must work for a certain period to fully own those contributions.

How can Marriott International employees access their 401(k) account information?

Employees can access their 401(k) account information through the company’s online benefits portal or by contacting the plan administrator.

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

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