Why More Americans Are Choosing Thailand Over Florida for Retirement

[CharlieH]

 

As retirement costs continue to rise in traditional American destinations like Florida, more and more Americans are looking abroad for a more affordable retirement experience. Thailand has become a top choice, offering a lower cost of living, excellent healthcare, and an easygoing lifestyle.

With the support of specialized insurance options like Cigna Global, retiring in Thailand has become an increasingly attractive option for American retirees looking for both financial security and a fulfilling lifestyle.

The Rising Costs of Florida Retirement

Florida has long been known as America’s retirement capital, but in recent years, the cost of living in the Sunshine State has become prohibitive for many retirees. Housing prices have skyrocketed in desirable areas, and property taxes and insurance premiums have followed suit. 

Healthcare is another major financial strain for retirees. Even with Medicare, out-of-pocket medical expenses can add up, especially when it comes to prescription medications, specialized treatments, and long-term care options. 

Thailand: A Cost-Effective Option

Thailand stands out as an affordable alternative to Florida, offering retirees a chance to live comfortably on a budget. Monthly expenses in Thailand typically range from US$1,000 to US$2,000, a fraction of what retirees would pay for a similar lifestyle in the U.S. 

Housing in Thailand is considerably more affordable, with a range of options in desirable locations. Whether you're looking for a beachside home, a mountain retreat, or a lively urban setting.

Daily living expenses are also much lower in Thailand. Fresh produce, local markets, and public transportation are all more affordable, and dining out—an expensive luxury in the West—becomes an everyday pleasure in Thailand.

Healthcare Excellence at a Fraction of the Cost

 

Thailand's healthcare system is internationally recognised for its quality and affordability. Private hospitals in major cities like Bangkok and Chiang Mai offer state-of-the-art facilities and internationally trained physicians. These hospitals cater to expatriates and international patients, with English-speaking staff and familiar standards of care.

Cost comparisons:

• Cardiac Surgery: Cardiac procedures in Thailand cost between US$15,000 and US$35,000. The same surgeries in the United States range dramatically higher, from US$70,000 to US$200,000.

• Fertility Treatments (IVF): Vitro fertilisation (IVF) is considerably more affordable in Thailand, with costs ranging from US$8,000 to US$13,700. This is notably less expensive than in Western countries, where similar treatments typically exceed US$20,000.

• Cancer Treatments: The cost of cancer treatment in Thailand varies depending on the specific type of cancer and required procedures, falling within the range of US$2,000 to US$130,900. In contrast, comparable cancer treatments in Western nations often surpass US$100,000.

• Diagnostic Imaging (MRI): Obtaining an MRI scan in Thailand averages around US$190. The average cost for the same procedure in the United States is approximately US$2,611.

• General Healthcare Services: Overall, medical care in Thailand is typically 50 to 75% more affordable than in countries like the United States or Australia. 

• Medication Costs: Prescription medications in Thailand are often much cheaper than in Western countries. This is attributed to local manufacturing and government price controls.

Visa Options Made Simple

Thailand generally offers straightforward visa options for retirees, making relocation relatively easy compared to other countries. Retirement visas require a minimum bank deposit or pension income, but they grant a more flexible stay compared to other tourist options. 

For those seeking long-term residency, the Non-Immigrant O-X visa offers a ten-year stay. Health insurance is a mandatory requirement for these visas. Cigna Global's plans meet these visa requirements, offering retirees peace of mind as they navigate the relocation process.

Expatriate Communities

Concerns about isolation are common among those considering retirement abroad, but Thailand’s established expatriate communities offer a solution. Cities like Chiang Mai, Phuket, and Hua Hin, as well as parts of Bangkok, are home to thriving expat populations. 

Expat groups offer opportunities to connect with fellow retirees, share experiences, and find helpful resources. The strong sense of community in Thailand ensures that retirees never feel isolated.

Cigna: Health Insurance Solutions for Retirees

American retirees moving to Thailand must secure health insurance coverage, as Medicare typically does not cover international care. Fortunately, providers like Cigna Global offer specialised health insurance plans designed for expatriates in Thailand. Cigna offers:

• Hospital stays: Coverage up to US$1,000,000 annually for major health conditions

• Doctor visits: Up to US$25,000 per year for check-ups and specialist care

• Chronic illness care: Full coverage for long-term treatments

• Emergency evacuation: Global emergency assistance included

• Preventive care: Screenings, vaccinations, and routine check-ups to detect and manage health issues early

• Custom add-ons: Optional coverage for dental, vision, or maternity care

Cigna simplifies the healthcare experience, ensuring that retirees can access the care they need without the burden of upfront payments.

 

 

As more retirees discover the benefits of retiring in Thailand, the expatriate community continues to grow, offering additional resources and support for newcomers. With affordable living as a main allure, Thailand is an ideal destination for those looking to make the most of their retirement years.

 

 

 

 

 

 

Sponsored - Original article by The Thaiger

[Lacessit]

Legislated compulsory upgrades to many Florida properties are causing a flight of retirees.

 

It's like being told one has to pay a special assessment of 1 million baht on a condo worth 3 million baht here.

 

Thailand might have floods, but it doesn't have hurricanes.

[Jerzy Swirski]

 

 

Since when did the price of fertility treatment  become a consideration for retirement?

[Patong2021]

 

https://smartasset.com/data-studies/where-retirees-move-2024    In 2024, Florida saw a net influx of more than 77,000 new retirees.

There are an estimated 30,000 to 50,000 US nationals with long term  visa holders in Thailand.

I don't understand how the conclusion is reached  that US retirees are choosing Thailand over Florida.

 

Quality medical care in Thailand is expensive and even then, they can spend more time trying to sell additional services than what is needed.     

Thailand may not have hurricanes but it does have typhoons.

[impulse]

1 hour ago, Patong2021 said:

I don't understand how the conclusion is reached  that US retirees are choosing Thailand over Florida.

 

It's an advertorial. 

 

Still, lots of good points.

 

 

[cdemundo]

2 minutes ago, newbee2022 said:

I hope they will NOT come. Too loud, too much bragging.

Bragging is not restricted to Americans.

Look at AN on a regular basis, any thread is launching pad for bragging.

 

Honestly, threads asking "What do you eat for breakfast" end up with international bragging competitions.

Any excuse to brag about anything from income, to intelligence, to moral superiority, to manly prowess in physical combat (that's fighting), to correct use of the English language...

 

No doubt you can think of others.

I'm not saying Americans don't brag, just that they are not necessarily the leaders in that field.

[grain]

Great idea, you old American retirees should check out Phuket and Pattaya, you can enjoy lovely evenings in the Walking Street and Soi 6, or Soi Bangla, sipping cocktails while watching ladyboys stomp the bejesus out of drunken shirtless yobos.

[newbee2022]

14 minutes ago, cdemundo said:

Bragging is not restricted to Americans.

Look at AN on a regular basis, any thread is launching pad for bragging.

 

Honestly, threads asking "What do you eat for breakfast" end up with international bragging competitions.

Any excuse to brag about anything from income, to intelligence, to moral superiority, to manly prowess in physical combat (that's fighting), to correct use of the English language...

 

No doubt you can think of others.

I'm not saying Americans don't brag, just that they are not necessarily the leaders in that field.

It's my impression.

Your's might be different 

[KhunLA]

After my first visit, 1980, I thought to myself, I'm moving here.  Though living in WV at the time, I was tired of the NE USA, Philly,PA, NY, NY, DE, MD.

 

Then by the time retirement came, and sort of living in FL for about a year, changed my mind.  Nice as a playground, diving, or launch point to the islands, but really started getting crowded and expensive.  Got chased out 2X by hurricanes.

 

Drove through right after H. Andrew, and that was eye opening.  Looked like someone took a giant weed wacker across sections of FL while driving past on the way to the Keys.  Scary stuff.

[Lacessit]

On 4/11/2025 at 11:54 AM, Patong2021 said:

 

https://smartasset.com/data-studies/where-retirees-move-2024    In 2024, Florida saw a net influx of more than 77,000 new retirees.

There are an estimated 30,000 to 50,000 US nationals with long term  visa holders in Thailand.

I don't understand how the conclusion is reached  that US retirees are choosing Thailand over Florida.

 

Quality medical care in Thailand is expensive and even then, they can spend more time trying to sell additional services than what is needed.     

Thailand may not have hurricanes but it does have typhoons.

Thailand is protected from typhoons by the land masses of Vietnam and Cambodia.

 

While Thailand does get the rain bands associated with typhoons, it is very rare for the country to experience serious wind speeds.

[JJ-Thailand]

Americans are more than welcome to Thailand but stop tipping the locals.

[black tabby12345]

Retirement life in Thailand.

Becoming a popular new trend among the first world, for the past decade.

The biggest attractions of this kingdom: No severe winter, cost of living a lot lower than the expats' home countries,  general friendlines  to the strangers.

[Patong2021]

59 minutes ago, JJ-Thailand said:

Americans are more than welcome to Thailand but stop tipping the locals.

 

Why not? If someone is of the generous persuasion and wishes to share their wealth it is their personal  choice.There is nothing wrong in showing appreciation to low paid workers by offering a monetary gratuity.   Oh yes, I do understand that some westerners don't want to tip, but their motivation is cheapness and not respect  for culture. My thai friends usually offer gratuities.

[Old Croc]

On 4/11/2025 at 11:54 AM, Patong2021 said:

In 2024, Florida saw a net influx of more than 77,000 new retirees.

What a difference a year makes. (And a change of government?)

 

Number of Americans Moving to Florida Collapses - Newsweek

[JJ-Thailand]

3 hours ago, Patong2021 said:

Why not?

It is not a genuine part of Thai culture. Don't screw up this beautiful country with American crap.  

[Tazmo]

A novel and clever way for Insurance companies to advertise these days.

I  never read beyond the first couple lines or checking the source!

More Retirees here the more to fill their pockets, then increase premiums, not cover for some treatments for the aged or not cover after a certain age!
Parasites,  that pushed up the cost of health care, along with the Pharmaceuticals over the years. But rich people swear by it, they want immediate service, like Fast food joints. Some governments fund care for all their citizens, I can think of Cuba; Qatar; UK to some extent. Supply and demand issues. Regular changes in Government don’t help, especially if they oppose public services!

[KhunLA]

TH doesn't even make the top 10, for Yanks to retire to ...

 

... 5+ million, more than some countries whole population 

 

 

[xtrnuno41]

I had understood, many Americans go to India for healthcare.

Indian docs created in the USA.

However about 2weeks ago, a site was giving the solution for retirement.

PANAMA.

SAying government there had special program for retirees. and it would be good living if you had income of 1800-2500 $. Quite a range.

Couldnt find link anymore of MSN news where it all was in, but try this one https://harveylawcorporation.com/panama-pensionado-program/

[keysersoze276]

Welcome to the danger zone. If our ladyboys or motorbike taxi drivers don’t bash your head in on a 10:1 street brawl, our drunken motorists will mow you down. If you manage to escape that, you run the immigration gauntlet. 
 

We’ll pick your pocket, and bones clean. Then zip you up in a body bag so fast that you’ll think you went blind!

[NoDisplayName]

On 4/11/2025 at 11:35 AM, Lacessit said:

Thailand might have floods, but it doesn't have hurricanes.

 

Well, of course not!

 

• The term "hurricane" is used when the weather system originates over the Atlantic Ocean, the Caribbean, or the Northeast Pacific Ocean.
• The term "typhoon" is used when the weather system originates over the Northwest Pacific Ocean.
• The term "cyclone" is used when the weather system originates over the South Pacific Ocean or the Indian Ocean.

[Lacessit]

5 hours ago, NoDisplayName said:

 

Well, of course not!

 

• The term "hurricane" is used when the weather system originates over the Atlantic Ocean, the Caribbean, or the Northeast Pacific Ocean.
• The term "typhoon" is used when the weather system originates over the Northwest Pacific Ocean.
• The term "cyclone" is used when the weather system originates over the South Pacific Ocean or the Indian Ocean.

I posted Thailand doesn't get the wind speeds associated with hurricanes, because it is protected by the land masses of Cambodia and Vietnam.

 

Yours is the kind of pedantry which  I will not up with put.

[camper star]

22 hours ago, JJ-Thailand said:

Americans are more than welcome to Thailand but stop tipping the locals.

Is 20 baht too much at a local Thai restaurant outside of Bangkok and in the countryside. Seems like I tip 20 baht and the owner wants to refuse it, but with a warm smile she WAI's us and we are known next time eating there with excess food on our plates. Oh, fried rice at the countryside roadsides are the tastiest I've tasted . 

[radiochaser]

23 hours ago, grain said:

Great idea, you old American retirees should check out Phuket and Pattaya, you can enjoy lovely evenings in the Walking Street and Soi 6, or Soi Bangla, sipping cocktails while watching ladyboys stomp the bejesus out of drunken shirtless yobos.

Nah.  My condo is in Nonthaburi.  

[NoDisplayName]

2 hours ago, Lacessit said:

I posted Thailand doesn't get the wind speeds associated with hurricanes, because it is protected by the land masses of Cambodia and Vietnam.

 

Yours is the kind of pedantry which  I will not up with put.

 

Thailand does not suffer the wind speeds associated with hurricanes, because it is protected by thousands of miles of geogaraphy.

[radiochaser]

4 minutes ago, NoDisplayName said:

 

Thailand does not suffer the wind speeds associated with hurricanes, because it is protected by thousands of miles of geogaraphy.

Thailand is located in the Pacific typhoon basin and is regularly affected by typhoons. On average, there are around 11 typhoons per year, although most of them turn to the east before this happens. The regions most affected are Isaan and the east coast of central Thailand.

Recent typhoons in Thailand - Worlddata.info

www.worlddata.info/asia/thailand/typhoons.php

 

Sounds better than that time I was in Phu Bai in late 1971 or early 1972 and a typhoon blew over it.    A couple of hours ( I think) of howling wind with rain blowing in one direction.  About an hour of quiet, broken every few seconds from the loud bangs of electric discharge from a high voltage power line, brightly arcing to ground, then a couple of hours of howling wind with rain again, blowing in the opposite direction from before.   

 

In one way it was nice.  The war stopped for a few days because of it. 

[Lacessit]

1 hour ago, NoDisplayName said:

 

Thailand does not suffer the wind speeds associated with hurricanes, because it is protected by thousands of miles of geogaraphy.

I thought you wanted to talk about typhoons.

 

Is there an echo on this thread?

[KhunLA]

2 hours ago, NoDisplayName said:

 

Thailand does not suffer the wind speeds associated with hurricanes, because it is protected by thousands of miles of geogaraphy.

Rare, but TH has had a Typhon blow by close enough, and even hit land to cause deaths.  A few notable ones ...

 

 

https://en.wikipedia.org/wiki/List_of_disasters_in_Thailand

[Chris Daley]

Because in Florida their kindergardens have mass shooter drills.

[billd766]

13 hours ago, keysersoze276 said:

Welcome to the danger zone. If our ladyboys or motorbike taxi drivers don’t bash your head in on a 10:1 street brawl, our drunken motorists will mow you down. If you manage to escape that, you run the immigration gauntlet. 
 

We’ll pick your pocket, and bones clean. Then zip you up in a body bag so fast that you’ll think you went blind!

 Whilst that may happen, it certainly doesn't happen in most of Thailand.

 

Do you have any proof of what you claim?

[rumak]

On 4/16/2025 at 9:12 AM, cdemundo said:

Bragging is not restricted to Americans.

Look at AN on a regular basis, any thread is launching pad for bragging.

 

Honestly, threads asking "What do you eat for breakfast" end up with international bragging competitions.

Any excuse to brag about anything from income, to intelligence, to moral superiority, to manly prowess in physical combat (that's fighting), to correct use of the English language...

 

No doubt you can think of others.

I'm not saying Americans don't brag, just that they are not necessarily the leaders in that field.

 

Yep !