Social Security and Medicare While Living in Spain (2026)
Totalization benefits abroad, and the Medicare coverage gap.
Updated July 2026Reviewed by Elena Alonso Volostnova, Colegiada Gestora Administrativa, ICGA Valencia
Full guide coming September 2026
We are expanding this page into a complete, sourced guide. In the meantime, the fastest way to get an answer specific to your situation is a strategy call. You will leave with a personalized pathway and a document checklist.
Related pages
US-Spain Double TaxationHow the treaty, FBAR, FATCA, and Modelo 720 fit together.FBAR & FATCAThe $10K FBAR trigger and Form 8938 thresholds, side by side.Modelo 720Spain's foreign-asset declaration that US filers routinely miss.Tax ResidencyThe triggers that make Spain tax your worldwide income.183-Day RuleDay-counting, sporadic absences, and residency traps.Roth IRA & 401(k)Spain does not mirror US retirement-account tax treatment.
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