×
Interested in our Partner Program for businesses or our Local Guide Program for experienced expats and digital nomads? Click here to learn more.
Retiring in United States | Expat Exchange
Expat Exchange
Free MembershipSign In
Running

Retire in the United States

By Joshua Wood, LPC

Last updated on Feb 09, 2024

Summary: Retirees are often attracted to the United States for its diverse culture, vibrant cities, and wide range of activities and attractions. The country also offers a wide range of climates, from tropical in the south to temperate in the north. The weather in the United States varies greatly depending on the region, but generally temperatures range from an average low of 20°F (-7°C) in the winter to an average high of 86°F (30°C) in the summer.

SJB Global
SJB Global
SJB Global
SJB Global

What is it like to retire in the United States?

"Life for a retiree in the United States and its surroundings can be quite fulfilling. There is an active expat community with ample access to cultural attractions, recreation, and nightlife. Retirees often explore the culture of the region by participating in outdoor activities such as camping, fishing, and bird watching. They also enjoy visiting local sports teams and attending theatre performances, music concerts, and art shows. Whether the retiree enjoys a quiet night at home or an evening of fun with friends, there are plenty of activities and entertainments to explore in the US and its surroundings," said a person in United States.

William RussellWilliam Russell
Get Quote

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

William RussellWilliam Russell

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.
Get Quote

What advice do overseas retirees have for others considering retiring abroad?

"Check with a tax professional first to find out what taxes you may still have to pay in the UK when you move to the US. And vice versa," remarked one retiree in US.

What are the most challenging aspects of retiring in the United States?

"Retiring in the United States can present some difficult challenges, such as rising costs associated with healthcare and a lack of retirement savings, making it difficult to maintain a healthy lifestyle. Additionally, there can be a sense of loneliness, especially if retirees are far away from friends and family, as many of the social activities that retirees rely on to stay connected are difficult to come by. Finding suitable and affordable housing can also be a challenge, as retirees may not have the savings or income to cover the costs associated with certain areas. Furthermore, navigating retirement paperwork can be difficult and time-consuming, as there are often many rules and regulations to keep track of in order to receive the full benefit of any retirement plan," remarked one retiree in United States.

Cigna Global Health

With Cigna Global Health Options, you can create an international health insurance plan that's perfectly tailored for the needs of you and your family. We provide the reassurance of comprehensive core cover, and the flexibility of adding as many extra benefits as you want to ensure you have a plan perfectly suited to your needs.

Learn MoreGet Quote

Cigna Global Health

With Cigna Global Health Options, you can create an international health insurance plan that's perfectly tailored for the needs of you and your family. We provide the reassurance of comprehensive core cover, and the flexibility of adding as many extra benefits as you want to ensure you have a plan perfectly suited to your needs.

Learn MoreGet Quote

What are the most rewarding aspects of retiring in the United States?

"One of the most rewarding aspects of retiring in the United States is having access to a wide range of social security and pension benefits. People who retire in the United States can also enjoy the security of knowing that their healthcare costs are covered by Medicare, as well as the availability of other services such as home health care and prescription drug plans. Additionally, retirees can take advantage of the numerous leisure and recreational opportunities available, such as national parks, museums, and beaches. Lastly, the ample financial services for retirees, such as banking and investment options, further add to the rewards of retiring in the United States," explained one retiree living in United States.

What are healthcare services like in the United States?

We asked retirees if they have access to good medical care in the United States. They wrote:

"Healthcare services in the United States vary greatly depending on where one lives. Generally speaking, access to healthcare is reliant on having health insurance, either through private plans or through the public programs such as Medicaid or Medicare. Most healthcare services are provided by private physicians in private clinics, though at different levels of quality. There are also a number of government-run healthcare services, such as community health centers, clinics, and hospitals. The overall cost for healthcare services in the US is typically high, with nationwide insurance plans and price regulations that vary from state to state. Furthermore, the US healthcare system is not always well-tailored to the needs of its citizens, with some areas lacking in certain services, or with care being highly concentrated in certain areas," explained a retiree in United States.

How do I meet people in the United States?

When we asked people living in the United States about club and activities where newcomers can meet others, they responded:

"Expats often join social and cultural clubs to meet others and learn about their new home. Examples of very popular clubs and activities include community choirs, running clubs, youth sports teams, and language classes. Expats can also meet others by attending local lectures, musical performances, art and book exhibitions, festivals, and even charity events, which offer a great opportunity to socialize and make friends. Additionally, expats often get online to more easily connect with people who share similar interests, join online expat networks, or even sign up for social media pages dedicated to expats living in the area," explained one retiree living in United States.

View More Answers

What is life like in the United States?

When we asked people living in the United States what life is like and how people spend their time, they said:

"Expats and digital nomads in the United States often find a diverse and exciting range of activities and experiences. The U.S. offers a wealth of opportunities, with diverse cultures, a wide range of climates and landscapes, and a bustling job market. Expats may find that making social connections with fellow expats and locals alike can be a great way to get acquainted with the new surroundings. Cultural events and activities within a US city can provide excellent networking opportunities and allow expats to experience more of the culture and lifestyle of America. Digital nomads will appreciate the wide array of places to work from – from coffee shops to shared spaces – as well as the range of online communities supporting the digital nomadic lifestyle. With the United States’ open stance for entrepreneurship and business, the opportunities for digital nomads to start or grow their own businesses are many," explained a retiree in United States.

View More Answers

William Russell

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

Learn MoreGet Quote

William Russell

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

Learn MoreGet Quote

What do I need to know before retiring in the United States?

When we asked people what advice they would give someone preparing to move to the United States, they said:

"If you are a young person in his/her 20s I would not recommend it. We do have a club scene yes, but it dies around 12am. That and most clubs/bars can be dangerous at times due to gangs coming in and starting trouble. Sacramento is perfect for someone in their later adult years to live and work. However, if you are planning on moving here bring plenty money with you, and try to find a place before coming, which isn't difficult, apartment complexes are always renting," remarked one retiree in Sacramento.

View More Answers

What type of recreational activities are there in the United States?

"Water-based activities are very popular in Annapolis - sailing, yachting, kayaking, paddle boarding and more. Mears Marina is just across the bridge in Eastport, with tennis courts, a swimming pool and marina. There are many golf clubs nearby as well.

Everyone's a Navy Fan!

Navy Stadium If you're going to be living in Annapolis, you might as well get on board and become a Navy Fan. Navy-Marine Corps Stadium hosts Navy football and lacrosse games, plus it's the home of the Chesapeake Bayhawks, Maryland's Major League Lacrosse team. ," explained one retiree living in Annapolis.

View More Answers

Where will I buy groceries and do other shopping in the United States?

"There are many grocery stores in Annapolis - Whole Foods, Sam's Club, Graul's Market, Giant, Shoppers, Fresh Market, Trader Joe's and Safeway. There are several Asian grocery stores in nearby Bowie, MD. Annapolis Towne Center is an outdoor shopping center with clothing stores like Anthropologie, lululemon and Talbots, restaurants and even the Whole Foods. Westfield Mall has furniture stores (Pottery Barn, Crate & Barrel), clothing stores, restaurants and an 11 cinema movie theater. ," said one retiree in living in Annapolis, US.

View More Answers

About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.

Running
William Russell
William Russell

Get a quote for international health insurance from our partner, William Russell.
Get Quote

William RussellWilliam Russell

Get a quote for international health insurance from our partner, William Russell.
Get Quote

SJB Global
SJB Global

Copyright 1997-2025 Burlingame Interactive, Inc.

Privacy Policy Legal Partners & Local Guides