Healthcare cost arbitrage

You're paying $19,000/year for healthcare. You don't have to.

Americans aged 55–64 pay 12–22x more for the same healthcare coverage than they would in Spain. We publish the data, the math, and the path out.

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$19,000
Average annual healthcare cost at 60 in the USA
$1,200
Same coverage in Spain (private insurance)
66.5%
Of US bankruptcies linked to medical costs
Split view: US hospital billing department versus colorful Spanish street market
Featured

The $20,000 mistake most 60-year-old Americans just made

On January 1, 2026, a couple in Colorado saw their health insurance jump from $800 to $2,652 per month. Nothing changed. Same plan. Same country. Their subsidy disappeared.

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Latest analysis

The data behind the healthcare exodus

Deep research, real numbers, verified sources. No fluff.

Aerial view of a white Spanish coastal village with turquoise Mediterranean water Medicare

The Medicare decision that can double your healthcare costs for life

Skip Part B at 65, move to Spain, save thousands. Return at 75 and pay 70% more forever. The penalty nobody explains.

April 202610 min read
American couple walking under orange trees in a Spanish cobblestone alley Spain healthcare

The $720/year healthcare plan most Americans have never heard of

For €60 a month, you can buy into one of the best public healthcare systems in the world. Pre-existing conditions included.

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$400,000 or $20,000: the 10-year healthcare math for Americans over 55

A couple earning $90,000. Both 55. No employer insurance. The difference between staying and moving is a house.

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The numbers

Healthcare at 60: USA vs. Spain

Real costs. No asterisks. No hidden fees.

United States
Spain
Annual premium
$15,000 – $20,000
$1,200 – $1,800
Deductible
$7,000 – $8,000
$0
Copay (specialist)
$50 – $100
$0
Hip replacement (OOP)
$9,200
$0
Surprise billing risk
Yes
No

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