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Boots-on-the-Ground Edition · Last verified Aug 2026
Portugal
D7 visa mechanics, what's left of NHR, and where the expat crowding actually is versus where it just feels that way online.
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Scorecard breakdown
Cost of living
78
Healthcare
82
Visa pathway
65
Connectivity & work
74
Safety
88
Climate fit
71
Why this scores the way it does → How We Score
Life there
The experiential layer, kept clearly separate from the Scorecard above — what it's actually like, not just what it costs.
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Healthcare
Age-banded insurer notes
Which international insurers actually cover you at your age here, and where Medicare stops mattering.
Taxes
Not built around the FEIE
Pension treaty treatment, RMDs, and the state-exit question — the retiree-relevant version.
Remote Work
Coworking & connectivity
eSIM picks, average fiber speed by city, and the coworking spaces worth the membership.
Edition changelog
Aug 2026
Boots-on-the-Ground Edition — every Fact Log row re-verified in person.
Mar 2026
Visa pathway section rewritten after D7 processing time changes.
Jan 2026
Research Edition — first publish.