Could the World's Healthiest Country Be the Best Retirement Spot for You?

If you dream of retiring abroad—or just wondering how long your savings need to last—"healthiest country" rankings can have you focus on the wrong measures. Singapore and Taiwan top recent health index rankings, while Japan leads in raw life expectancy at 84.5 years, according to the World Health Organization.

The distinction matters for your retirement math: Japan's longer lifespans mean more years of spending, while Singapore leads in healthy life expectancy—73.6 years spent in good health versus just being alive. That gap between total years and healthy years is where the biggest retirement costs reside: long-term care, home health aides, and medical expenses that can quickly drain your retirement savings.

What 'Healthiest Country' Actually Measures

When publications like CEO World rank Taiwan, Singapore, and Israel among the world's healthiest countries, they're scoring them on factors such as healthy life expectancy, blood pressure, blood glucose levels, obesity rates, depression prevalence, government healthcare spending, and others.

Different indexes use similar data but weight factors differently, which is why rankings vary and no single list tells the whole story. These metrics reflect a nation's current performance, whereas life expectancy reflects the cumulative impact of past habits and policies over several decades. A country can score well now but still lag in longevity because older generations faced higher smoking rates or weaker care.

Where People Actually Live the Longest

Life expectancy rankings tell a simpler but slower-moving story. According to the WHO, Japan leads major nations at 84.5 years, followed by Singapore (83.9 years), South Korea (83.8 years), and Switzerland (83.3 years).

The key gap is between total years lived and healthy years lived. Singapore leads at 73.6 healthy years; Japan is close behind at 73.4. South Korea posts 72.5, highlighting that living longer doesn’t always mean living well longer.

Taiwan, which CEO World ranked first, has a life expectancy of 80.8 years—nearly four years behind Japan—and a healthy life expectancy of 71.4 years, showing how ranking No. 1 for current health doesn't automatically mean you'll outlive everyone else.

What the Top Countries Have in Common

The countries topping both health and longevity rankings—Japan, Singapore, South Korea, Switzerland, etc.—don't share a single magic ingredient. But they do have common policies that researchers have linked to better outcomes.

Healthcare is mandatory and prevention-focused: Japan requires annual health exams, including waist measurements, for all workers. South Korea's national health insurance covers almost the entire population, with widespread cancer screening and mandatory vaccinations.

Movement is built into daily life: Policies in Singapore, Switzerland, and Japan make walking and public transit the default.

Diet patterns favor plants, fish, and fermented foods—but aren't vegetarian: Japan's traditional diet emphasizes rice, vegetables, fish, and fermented foods like miso and natto. South Korea's diet includes kimchi and legumes. Singapore's Health Promotion Board subsidizes healthier options and taxes high-sugar beverages.

The healthiest countries generally have the highest life expectancies, but no single place consistently dominates every ranking. What matters more is whether your environment supports you in eating well, staying active, accessing care early, and maintaining social connections.

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Why This Matters for Your Retirement Math

The gap between total and healthy life expectancy matters for retirement planning. Those final 10 to 12 years often bring higher costs—long-term care, home health aides, and uncovered medical expenses.

Fidelity estimates that a 65-year-old couple retiring in 2025 will need about $172,500 for health care expenses alone—and that figure assumes traditional Medicare, not long-term care.

You can’t stop aging, but you can borrow habits from healthier countries—regular checkups, preventive care, daily movement—and treat your health as much a part of your retirement plan as what you do with your 401(k).