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Cleveland-Cliffs Retirees: Discover the Hidden Charms of Small-Town Living for Your Next Chapter!

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Healthcare Provider Update: Healthcare Provider for Cleveland-Cliffs Cleveland-Cliffs partners with Cleveland Clinic as its healthcare provider, offering a range of health services to its employees. This partnership is aimed at ensuring that employees receive quality medical care and support. Healthcare Cost Increases in 2026 As we approach 2026, Cleveland-Cliffs employees, especially those reliant on the Affordable Care Act (ACA) marketplace, may face significant healthcare cost challenges. With nationwide rate hikes projected to exceed 60% in some states, the removal of enhanced federal premium subsidies will further exacerbate this situation. More than 22 million marketplace enrollees could see their out-of-pocket premium costs rise by over 75%, driven by escalating medical expenses and insurer profit pressures. This sharp increase underscores the importance for employees to plan their healthcare budgets proactively to mitigate these potential financial burdens. Click here to learn more

Small towns across America offer a unique blend of nostalgia, tradition, and practicality that makes them attractive retirement destinations. These towns vary in size, often defined by their quaint appearance, supportive lifestyles, and strong community bonds. This guide explores a variety of such towns, assessing them based on factors like cost of living, crime rates, healthcare availability, senior housing options, transportation, and local attractions.

1. Greer, South Carolina

Greer, a town of about 39,000 in upstate South Carolina, exemplifies small-town charm with its revitalized downtown and numerous community activities. Its proximity to the Greenville-Spartanburg International Airport and Amtrak services enhances its accessibility. The town's offerings include a weekly farmers market, regular festivals, and diverse recreational activities, making it an engaging place for active Cleveland-Cliffs retirees.

2. Coolidge, Arizona

Located in the Sonoran Desert, Coolidge is a small town of over 14,700 residents. Known for its warm summers and moderate winters, it appeals to retirees who prefer desert climates. The cost of living here is lower than both the national and Arizona averages. Coolidge is home to the Casa Grande Ruins National Monument and offers educational opportunities at Central Arizona College.

3. Dillsboro, North Carolina

Dillsboro, nestled on the Tuckasegee River near the Great Smoky Mountains, is a historic railroad town with fewer than 300 residents. It offers a unique blend of 19th-century charm and modern amenities. The cost of living aligns with the national average, and its proximity to Asheville makes it a favorable option for retirees seeking a balance between tranquility and accessibility.

4. Fredericksburg, Texas

Fredericksburg, a town of approximately 11,000 residents, is steeped in German heritage. The town is a haven for wine enthusiasts and stargazers, thanks to its location amidst over 100 wineries and status as a Dark Sky Community. Its tourist appeal is heightened by its historical landmarks, diverse culinary scene, and proximity to major cities like San Antonio and Austin.

5. Cedar Key, Florida

This Gulf Coast town with fewer than 900 residents is a serene and scenic retirement choice. Florida's tax benefits for retirees and Cedar Key's moderate cost of living are significant draws. The town is known for its nature trails, wildlife refuge, and fresh seafood, providing a tranquil environment for Cleveland-Cliffs retirees.

6. Paso Robles, California

Halfway between San Francisco and Los Angeles, Paso Robles is a city of around 31,000. It offers a lively downtown, numerous wineries, and a range of outdoor activities. The town's mild climate and proximity to the coast make it an attractive destination for Cleveland-Cliffs retirees who enjoy an active lifestyle.

7. Stroudsburg, Pennsylvania

Located in the Pocono Mountains, Stroudsburg is a small town with a population under 6,000. It blends historical charm with modern amenities and hosts various community events, making it ideal for retirees who value cultural engagement and family-friendly activities.

8. Mequon, Wisconsin

Mequon, near Milwaukee, is known for its open spaces and outdoor recreational opportunities. The Village of Thiensville within Mequon adds to its charm with various events and local amenities. Its proximity to Milwaukee enhances its appeal for those seeking a blend of suburban and urban experiences.

9. Bristol, Vermont

Bristol, nestled in the Green Mountains with a population of less than 4,000, is a quintessential New England town. It offers a range of community events and maintains a traditional atmosphere, complete with horse-drawn recycling collection. Its scenic beauty and historic downtown appeal to those looking for a tranquil retirement setting.

10. Hamilton, Montana

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For those who value wide-open spaces and a rural lifestyle, Hamilton is an ideal choice. With fewer than 5,000 residents, it offers a strong sense of community while being close to the amenities of a larger city. The town's historical significance and natural beauty make it a compelling choice for independent, active retirees.

An additional aspect that may appeal to our target audience of established professionals and retirees is the availability of high-quality healthcare services in small towns. For example, Fredericksburg, Texas, not only offers cultural richness and scenic beauty, but also boasts the Hill Country Memorial Hospital, which has been recognized for its excellence in patient care. This hospital has received numerous accolades, including being named one of the nation's 100 Top Hospitals by IBM Watson Health. Access to top-tier healthcare facilities is a crucial consideration for retirees, ensuring peace of mind and well-being in their chosen community. 

Selecting a small town for retirement from Cleveland-Cliffs is akin to choosing the perfect vintage wine from a distinguished vineyard. Just as a connoisseur appreciates the unique notes, history, and region of a fine wine, retirees can savor the distinct characteristics of each small town. Greer, SC, with its lively community events, resembles a vibrant and robust red, while the tranquil desert ambiance of Coolidge, AZ mirrors the smooth, subtle notes of a classic white. Fredericksburg, TX, with its rich cultural heritage, is akin to a rare, aged bottle, steeped in history and flavor. Each town, much like a carefully curated wine collection, offers its own unique bouquet of lifestyle, culture, and comfort, promising a fulfilling and refined Cleveland-Cliffs retirement experience.

What is the Cleveland-Cliffs 401(k) Savings Plan?

The Cleveland-Cliffs 401(k) Savings Plan is a retirement savings plan that allows employees to save a portion of their paycheck on a tax-deferred basis.

How can I enroll in the Cleveland-Cliffs 401(k) Savings Plan?

You can enroll in the Cleveland-Cliffs 401(k) Savings Plan by completing the enrollment process through the company’s HR portal or by contacting the HR department for assistance.

Does Cleveland-Cliffs offer a company match for the 401(k) contributions?

Yes, Cleveland-Cliffs offers a company match for employee contributions to the 401(k) Savings Plan, which helps employees maximize their retirement savings.

What is the maximum contribution I can make to the Cleveland-Cliffs 401(k) Savings Plan?

The maximum contribution limit for the Cleveland-Cliffs 401(k) Savings Plan is subject to IRS guidelines, which may change annually. Employees should check the latest limits for accurate information.

When can I start contributing to the Cleveland-Cliffs 401(k) Savings Plan?

Employees can start contributing to the Cleveland-Cliffs 401(k) Savings Plan after they have completed their eligibility period, which is typically outlined in the plan documents.

What investment options are available in the Cleveland-Cliffs 401(k) Savings Plan?

The Cleveland-Cliffs 401(k) Savings Plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles to suit different risk tolerances.

Can I take a loan against my Cleveland-Cliffs 401(k) Savings Plan?

Yes, Cleveland-Cliffs allows employees to take loans against their 401(k) Savings Plan balance, subject to specific terms and conditions outlined in the plan.

What happens to my Cleveland-Cliffs 401(k) Savings Plan if I leave the company?

If you leave Cleveland-Cliffs, you have several options for your 401(k) Savings Plan balance, including rolling it over to another retirement account, cashing it out, or leaving it in the plan if permitted.

How often can I change my contribution amount to the Cleveland-Cliffs 401(k) Savings Plan?

Employees can typically change their contribution amount to the Cleveland-Cliffs 401(k) Savings Plan at any time, subject to the plan’s guidelines.

Is there a vesting schedule for the Cleveland-Cliffs 401(k) Savings Plan?

Yes, Cleveland-Cliffs has a vesting schedule for the company match contributions, which means you will need to work for a certain period before those contributions fully belong to you.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
Cleveland-Cliffs has announced a series of restructuring initiatives aimed at improving operational efficiency. This includes the potential closure of several facilities and a reduction in workforce to streamline operations.
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For more information you can reach the plan administrator for Cleveland-Cliffs at 200 Public Square Cleveland, OH 44114; or by calling them at (216) 694-5700.

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