What Americans Fear Most About Retiring in France

When I first considered retiring in France, I wasn’t thinking about taxes, healthcare, or French bureaucracy. I was dreaming of living in a medieval town, listening to the sound of church bells, and visiting colorful markets filled with local produce and flowing wine. But like most Americans, I had questions—and some fears—about how hard it would be to actually make it happen.

I’ve met plenty of people enchanted by the idea of retiring in France—until the “what ifs” start to creep in. Let’s break them down and ease those fears, one by one.

Fear #1: The Healthcare System Will Be Complicated

Reality: France has one of the best healthcare systems in the world—and it’s affordable.

If there’s an experience in France that I’ve become well aware of over the past few years, it’s healthcare. Since living here, I’ve had more than my share of doctors, hospitals, and surgeries. Like other American retirees in France, I’m amazed by the quality and cost of care. You can apply for public healthcare system (PUMA) after three months’ residency. You’ll want a “mutuelle” (private supplemental insurance), which costs far less than American coverage. And yes, there are English-speaking doctors and clinics, especially in areas with expat communities.

Bonus: Prescriptions and doctor visits often cost just a fraction of what they do in the U.S.

Fear #2: I Don’t Speak French

Reality: You don’t have to be fluent to thrive.

Learning to speak French is one of my greatest weaknesses. After all these years, I have a million excuses for not being fluent in the language. Sure, you can get by with only a little French. But to immerse yourself in the French community, you should be able to converse in the native tongue. That said, daily life without French fluency is very doable. Translation apps, friendly neighbors, business owners, and growing expat networks make it possible. You’ll learn as you go—and that’s part of the fun.

Fear #3: French Bureaucracy Will Be a Nightmare

Reality: There’s paperwork, yes—but there’s help, too.

It’s true that France loves forms, signatures, and stamped documents. But don’t let that scare you off. There are relocation experts, bilingual consultants, and detailed guides to walk you through every step, from getting a visa to opening a bank account. Once you’re set up, the big stuff is over. By then, you’ll have the confidence to tackle the rest. Just one day at a time.

Fear #4: I’ll Be Taxed Twice

Reality: The U.S.–France tax treaty protects you.

France and the U.S. have a tax agreement to avoid double taxation. With the right planning—and the help of a cross-border tax advisor—you can structure your retirement income with peace of mind. Many American retirees in France pay no more (and often less) than they did in the States.

Fear #5: I’ll Feel Lonely or Out of Place

Reality: Life in France is rich in community and connection.

French culture may be different, but I’ve learned that making a successful move in your life — whether it’s going to college, getting married, or moving to a new town — depends on your attitude. When you try to make friends, you’ll meet locals and other “transplants” at the market, book clubs, cooking classes, or simply chat with someone at the next table when you’re having a rosé. Many towns have vibrant expat communities, and you’ll quickly find your people—Americans, Brits, Dutch, and more.

Fear #6: Visas and Driving Licenses Are Too Complicated

Reality: It’s very doable with clear steps.

Most retirees start with a long-stay visa (VLS-TS), showing proof of income and healthcare. This visa can lead to a renewable residency permit. As for driving, you have a year to replace your license. Thousands of Americans have made the leap—and you can, too. You just need to follow the rules and start early.

Fear #7: Buying Property is Risky

Reality: France offers strong legal protection for buyers.

When you buy property in France, a notaire (government-appointed lawyer) handles the transaction. That means no shady deals and plenty of protection. The process may be different from that in the U.S., but it’s safe—and often more buyer-friendly. With an English-speaking agent and good advice, you’re set. And don’t forget about renting. That’s the choice I made, and I’ve never regretted it.

Fear #8: What if I Need Help and My Family’s Far Away?

Reality: You’ll have support, and family’s never far away in today’s connected world.

Emergency services in France are fast and reliable. Many retirees build strong local support networks that become “family.” Friends and neighbors have been my lifeline more times than I can count. Family can visit easily, too. (especially with a good excuse like “Come visit me in France!”). When planning to live abroad, you may want to factor in how much time you want to split between France and the U.S.—many do.

The Bottom Line

Moving to France takes planning, and you might not get it all right. But the rewards are endless: beauty, culture, peace, and a healthier way of life. Don’t let fear stop you from living your dream. Thousands of us are doing it—and loving it.

If you’re curious about life in France or need a little extra nudge, I’m always happy to share more. French Footsteps was born from following a dream—and that dream came true.