Best Retirement-Friendly Countries in 2025 (With Top Healthcare & No Inheritance Tax)

Best countries to retire in 2025 with top healthcare and no inheritance tax

A guide to the best countries to retire in 2025 with great healthcare and zero inheritance tax

Best Retirement-Friendly Countries in 2025 (With Top Healthcare & No Inheritance Tax)

Looking to retire somewhere peaceful, affordable, and tax-free? In 2025, more Americans are retiring overseas—not just for beaches and weather, but for elite healthcare systems and zero inheritance tax policies. Here are the top countries where your retirement money goes further—without Uncle Sam chasing it.

🇵🇹 Portugal

Portugal combines warm climate, top-tier healthcare, and NHR-friendly policies. As of 2025, inheritance tax is zero and medical care rivals Western Europe. Bonus: English is widely spoken.

🇲🇹 Malta

With a tax system that favors retirees and a healthcare system ranked among Europe’s best, Malta also offers a retirement visa that’s easy to obtain—and no estate tax.

🇨🇷 Costa Rica

Pura Vida isn’t just a slogan. Costa Rica offers low cost of living, solid public/private healthcare, and no inheritance tax. U.S. retirees are moving here in droves.

🇲🇾 Malaysia

Malaysia’s MM2H program allows extended retirement stays, while its healthcare system is globally ranked and estate transfers face no inheritance tax.

🇵🇦 Panama

Panama’s Pensionado visa is world famous. Combine zero inheritance tax, cheap high-quality healthcare, and dollarized economy—perfect for U.S. expats.

🧠 Things to Consider Before Retiring Abroad

Residency visa requirements (e.g., MM2H, Pensionado, NHR)
Healthcare access and cost (private insurance optional?)
Local tax laws on passive income or real estate

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