@Julien
I have been trying to figure out a way to live half my life in my home country of the United States and half in Scotland. I am 68 and my wife is 66. I am semi-retired and she just retired. I really don't want to work over there - or at least - I don't want to have to work over there. Nor do I want to return to a university. I can afford the second home and the added expenses for normal things, but I just got a price of $1,500 a month for me to have health insurance over there. So assuming the same for my wife - I really don't want to spend $3,000 a month for health insurance. Any ideas?
David