Healthcare Provider Update: Healthcare Provider for Commercial Metals Commercial Metals (CMC) primarily uses UnitedHealthcare as its healthcare provider. This partnership ensures that CMC employees have access to a comprehensive range of healthcare services tailored to meet their needs. Potential Healthcare Cost Increases in 2026 As we look ahead to 2026, healthcare costs are expected to rise sharply, particularly for employees of Commercial Metals who rely on Affordable Care Act (ACA) marketplace plans. Premiums are projected to increase significantly, with some states seeing hikes exceeding 60%, driven largely by the expiration of enhanced federal premium subsidies and escalating medical costs. As reported, 92% of marketplace enrollees may face out-of-pocket premium increases of over 75%. This looming financial pressure emphasizes the importance for employees to evaluate their health coverage options early in order to mitigate the impact of these steep cost increases. 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 Commercial Metals 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 Commercial Metals 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 Commercial Metals 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 Commercial Metals 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 Commercial Metals retirement experience.
What type of retirement savings plan does Commercial Metals offer to its employees?
Commercial Metals offers a 401(k) savings plan to help employees save for their retirement.
Does Commercial Metals match employee contributions to the 401(k) plan?
Yes, Commercial Metals provides a company match for employee contributions to the 401(k) plan, enhancing overall savings.
What is the eligibility requirement for employees to participate in Commercial Metals' 401(k) plan?
Employees are eligible to participate in Commercial Metals' 401(k) plan after completing a specified period of service, typically outlined in the plan documents.
How can employees at Commercial Metals enroll in the 401(k) savings plan?
Employees can enroll in the Commercial Metals 401(k) savings plan by completing the enrollment process through the company's benefits portal.
What investment options are available in Commercial Metals' 401(k) plan?
Commercial Metals offers a variety of investment options within its 401(k) plan, including mutual funds, target-date funds, and company stock.
Can employees at Commercial Metals change their contribution rates to the 401(k) plan?
Yes, employees at Commercial Metals can change their contribution rates to the 401(k) plan at any time, subject to plan rules.
What is the maximum contribution limit for the 401(k) plan at Commercial Metals?
The maximum contribution limit for the 401(k) plan at Commercial Metals aligns with the IRS limits for the year, which may change annually.
Does Commercial Metals offer a loan option against the 401(k) savings plan?
Yes, Commercial Metals allows employees to take loans against their 401(k) savings, subject to specific terms and conditions.
How often can employees at Commercial Metals review their 401(k) account statements?
Employees at Commercial Metals can review their 401(k) account statements quarterly, with access to online account management tools.
What happens to the 401(k) savings if an employee leaves Commercial Metals?
If an employee leaves Commercial Metals, they have several options for their 401(k) savings, including rolling it over to another retirement account or cashing it out.