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

Why eBay Employees Should Consider These Top Retirement Locations for Affordability and Ideal Weather

Healthcare Provider Update: Healthcare Provider for eBay eBay utilizes the services of multiple healthcare providers for its employees, typically engaging in partnerships with large, well-known insurers to provide comprehensive health plans. While specific details about eBay's current healthcare provider may vary, they have previously been associated with providers like UnitedHealthcare and Anthem. Potential Healthcare Cost Increases in 2026 As eBay prepares for 2026, it faces potential challenges due to steep healthcare cost increases. Premiums for Affordable Care Act (ACA) marketplace plans are projected to surge significantly, with some states seeing hikes over 60%. Factors contributing to this surge include higher medical costs, the likely discontinuation of enhanced federal subsidies, and aggressive pricing strategies from major insurers. As a result, employees may experience a dramatic rise in out-of-pocket healthcare expenses, with estimates suggesting increases could exceed 75% for many enrollees. This scenario underscores the importance for employers like eBay to strategize effectively in managing healthcare benefits amidst a turbulent market. Click here to learn more

'eBay employees nearing retirement should consider cities like Cary, North Carolina, that balance affordable living, great weather, and top-tier healthcare, as these factors are essential in ensuring a financially comfortable and healthy retirement.' – Wesley Boudreaux, a representative of The Retirement Group, a division of Wealth Enhancement Group.

'Retirees from eBay companies should prioritize locations that offer both cost-effective living and excellent healthcare, such as Cary, North Carolina, ensuring a fulfilling and stable retirement experience.' – Patrick Ray, a representative of The Retirement Group, a division of Wealth Enhancement Group.

In this article, we will discuss:

The best affordable cities for retirement, with a focus on Cary, North Carolina.
How weather and cost of living are key factors for eBay employees planning their retirement.
The importance of healthcare access in choosing a retirement destination.

Combining great weather with affordability, Cary, North Carolina, has emerged as one of the top spots for eBay employees planning their retirement. Located just nine miles west of Raleigh, this charming city offers retirees a year-round climate with temperatures between 32°F and 89°F. With an average monthly cost of living of $3,615, Cary provides an excellent balance of affordable housing and beautiful weather—two key considerations for eBay employees looking to make the most of their retirement years.

Cary's exceptional quality of life is reflected in its impressive livability score of 90 out of 100. The city offers a community that supports retirees, with 12% of its population being over 65, according to GoBankingRates. The temperature is generally mild, though seasonal fluctuations are expected, with the hottest months being late May through early October. Despite some fluctuations, Cary's facilities, low crime rate, and healthcare services all earned favorable ratings, even though its cost of living score on AreaVibes was slightly lower.

Cary is not the only city with the perfect mix of affordability and great weather for retirement. For example, Metairie, Louisiana, scored 84 out of 100 on the livability scale. This city boasts a reasonably low cost of living, a mild climate, and a hint of Southern charm. For eBay retirees seeking relief from the hotter Southern U.S., Perry Hall, Maryland, is an excellent option due to its consistently milder temperatures.

With its reasonably priced housing and dry, sunny climate, Laughlin, Nevada, offers the lowest anticipated monthly cost of living on the list for retirees who are considering the desert lifestyle. In contrast, Oro Valley, Arizona, located in the heart of the Sonoran Desert, is particularly attractive to retirees, with more than one-third of its population being 65 or older. The area's year-round, outdoor-friendly temperatures further enhance its appeal.

Although Florida remains a popular retirement destination, the living costs in cities like Miami and Orlando can surpass $60,000 annually. High real estate prices and increasing property taxes might deter some retirees from making the move. For those still drawn to Florida's warm climate, alternatives like Perry Hall and Metairie offer similar weather conditions but at a more affordable cost of living.

GoBankingRates compiled a detailed list of affordable and appealing retirement destinations in 2024 by evaluating cities on several criteria, including rent, weather, cost of living, and overall desirability. At the top of the list is Cary, North Carolina, with its active retiree community and temperate climate. Laughlin, Nevada, and Oro Valley, Arizona, also stand out as great retirement options, showcasing that there are plenty of affordable places to retire while still enjoying a comfortable and pleasant lifestyle.

When planning retirement, eBay employees must strike a balance between living costs and a healthy, active environment. Whether in Cary or another well-regarded location, retirement planning should factor in both lifestyle preferences and financial considerations to help create a fulfilling retirement experience.

In addition to affordability and pleasant weather, healthcare access plays a critical role in selecting a retirement location. Cary, North Carolina, stands out for its top-notch healthcare offerings, including facilities like WakeMed Cary Hospital. U.S. News & World Report (March 2024) named Cary as a top choice for retirees who value both financial stability and healthcare quality, making it an ideal place for eBay employees nearing retirement.

If you're looking for an affordable and desirable retirement destination, Cary, North Carolina, with its 90/100 livability score, is one of the best cities for retirees. Offering a mild climate, affordable living costs, and excellent healthcare services, it's a standout location. Other affordable places with favorable weather for retirement include Metairie, Louisiana, and Oro Valley, Arizona. Discover why these cities are gaining popularity due to their appealing combination of amenities, climate, and affordability.

Choosing the right retirement destination is much like selecting the perfect vacation spot: it should offer the amenities you desire, such as great weather, reasonable prices, and convenient access to the services you need. Like a year-round vacation, cities like Cary, North Carolina, and Metairie, Louisiana, provide a perfect mix of relaxation, adventure, and practicality, allowing eBay retirees to enjoy both financial comfort and peace of mind. These locations promise a long-term 'staycation' with affordable living, pleasant weather, and excellent healthcare throughout the year.

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Articles you may find interesting:

Sources:

1. GoBankingRates. “12 Surprisingly Affordable Cities With Great Weather for Retirees.” GoBankingRates , October 2024, pp. 1-2.

2. U.S. News & World Report. “The 2 Best Independent Living Communities in Cary, NC.” U.S. News & World Report , March 2025, pp. 1-3.

3. Investopedia. “Why Arizona Could Be the Perfect Retirement Destination for You.” Investopedia , May 2025, pp. 1-2.

4. CarePatrol. “Beyond Cost: A Different Perspective on Choosing a Retirement Location.” CarePatrol , April 2025, pp. 1-2.

5. Nasdaq. “Retirement Relocation: Choosing the Perfect Place to Call Home.” Nasdaq , April 2025, pp. 1-2.

What type of retirement savings plan does eBay offer to its employees?

eBay offers a 401(k) retirement savings plan to its employees.

Does eBay provide a company match for contributions made to the 401(k) plan?

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

What is the maximum employee contribution limit for eBay's 401(k) plan?

The maximum employee contribution limit for eBay's 401(k) plan is in accordance with IRS guidelines, which may change annually.

Can employees at eBay choose between traditional and Roth 401(k) contributions?

Yes, employees at eBay can choose to make either traditional pre-tax contributions or Roth after-tax contributions to their 401(k) plans.

When can eBay employees enroll in the 401(k) plan?

eBay employees can enroll in the 401(k) plan during their initial onboarding period or during the annual open enrollment period.

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

eBay employees can change their 401(k) contribution amounts at any time, subject to the plan's guidelines.

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

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

Does eBay allow for loans against the 401(k) balance?

Yes, eBay allows employees to take loans against their 401(k) balance, subject to the plan's terms and conditions.

What happens to an employee's 401(k) balance if they leave eBay?

If an employee leaves eBay, they can choose to roll over their 401(k) balance to another retirement account, cash out, or leave it in the eBay plan if eligible.

Are there any fees associated with eBay's 401(k) plan?

Yes, eBay's 401(k) plan may have administrative fees and investment-related fees, which are disclosed in the plan documents.

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

For eBay, the company offers a 401(k) plan and a defined contribution pension plan as part of its retirement benefits. The 401(k) plan allows employees to contribute a portion of their salary towards retirement savings, with eBay providing a matching contribution. As of 2023, eBay employees who meet certain age and service requirements can participate in these retirement plans. The specific 401(k) plan for eBay employees is designed to maximize retirement savings, with the company matching employee contributions up to a certain percentage of their salary. The eligibility for the 401(k) plan typically requires employees to be 21 years old and to have completed one year of service with the company. In addition, long-term part-time employees who work at least 500 hours in three consecutive years are also eligible to participate starting in 2024 due to changes brought by the SECURE Act.

Restructuring and Layoffs: In January 2024, eBay announced a significant restructuring plan that includes laying off 1,000 full-time employees, representing approximately 9% of its workforce. This move is part of a broader strategy aimed at reducing operating costs and improving efficiency in response to economic pressures such as rising inflation and interest rates, which have affected consumer demand and the company's financial performance. The layoffs are part of eBay's effort to position itself for long-term success by streamlining operations and consolidating teams. The company has also indicated plans to reduce contracts within its alternate workforce. Addressing these layoffs is crucial in understanding the impact of the current economic, investment, and tax environment on tech companies.

Stock Options and RSUs Availability eBay offers stock options and Restricted Stock Units (RSUs) to eligible employees, providing them with an opportunity to own shares of the company and benefit from its performance. These equity compensation tools are primarily available to full-time employees across various roles, including senior executives and other high-performing employees. The eBay Stock Option Plan allows employees to purchase shares at a set price (strike price), while RSUs are granted as shares that vest over time, incentivizing long-term retention

eBay offers a comprehensive health benefits package designed to meet the diverse needs of its employees. For the years 2022, 2023, and 2024, eBay's health benefits have included a range of options such as PPOs (Preferred Provider Organizations), HMOs (Health Maintenance Organizations), and high-deductible health plans (HDHPs) paired with Health Savings Accounts (HSAs). This variety ensures that employees can choose a plan that best fits their personal healthcare needs and financial situations. Specific healthcare-related terms and acronyms commonly associated with eBay's health plans include PPO, HMO, HDHP, and HSA. These plans cover essential services such as preventive care, dental and vision insurance, disability insurance, mental health support, and life insurance. Additionally, eBay has focused on mental health benefits, recognizing the importance of supporting both the physical and mental well-being of its employees.

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For more information you can reach the plan administrator for eBay at 2025 Hamilton Ave San Jose, CA 95125; or by calling them at (408) 376-7400.

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