Americans aged 55 to 64 are in the most expensive healthcare window of their lives. Too young for Medicare. Too old for cheap premiums. Too successful for subsidies. And after the ACA subsidy cliff returned in January 2026, millions lost the one thing making coverage affordable.
The Cure Gap exists because we ran the numbers and couldn't believe them.
What we publish
Data-driven analysis on the healthcare cost gap between the United States and Spain. Not opinions. Not lifestyle content. Not "top 10 reasons to move abroad." The actual numbers: what you pay, what you'd pay, what the trade-offs are, and what nobody tells you about the downsides.
Every claim is sourced. Every number is cited. We use ACA marketplace data from KFF, verified private insurance rates from Spanish insurers (Adeslas, Sanitas, DKV), official Convenio Especial terms from Spain's Ministry of Health, CMS Medicare documentation, and IRS tax guidance for Americans abroad.
What we don't do
We are not financial advisors, tax professionals, immigration lawyers, or relocation agents. We don't sell services, take commissions, or have sponsored content. We don't tell you what to do. We publish the math and the data so you can make an informed decision with your own advisors.
Our primary sources
US healthcare costs: Kaiser Family Foundation (KFF) benchmark rates, CMS National Health Expenditure data, Healthcare.gov marketplace filings, ACA age-rating band tables.
Spain healthcare: Real Decreto 576/2013 (Convenio Especial), Ministerio de Sanidad, verified rates from Adeslas/Sanitas/DKV, SpainGuru community data, Citizens Advice Bureau Spain.
Medicare: CMS official penalty calculations, SSA enrollment guidance, Federal Benefits Unit Spain documentation.
Tax and legal: IRS Publication 54, FEIE/FTC guidance, Spain-US tax treaty documentation.
Who we are
A small research team that noticed the same pattern: Americans in their late 50s and early 60s quietly leaving the country because their healthcare costs became untenable. We started publishing the data because most of the information available was either anecdotal, outdated, or buried in government PDFs nobody reads.
We believe that if 14.7 million Americans understood the real cost difference, more of them would make informed decisions instead of paying $20,000 a year by default.
Start with the numbers
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