Why Malaysia works
MM2H is the longest-stay visa option (10 years renewable).
Penang has the largest expat retiree community in SE Asia and excellent food culture.
Healthcare costs 50-70% less than US. Top private hospitals (Gleneagles, Pantai) accept international patients.
English is widely spoken.
Where to live
Penang (George Town): #1 retiree destination. Cultural mix, food capital, beach access. $1,500-$2,200/month for a couple.
Kuala Lumpur: capital, modern, more expensive. $2,000-$3,000/month.
Langkawi: island paradise, smaller, quieter. $1,500-$2,200/month.
Visa pathway
MM2H 50+ tier: $2,400/month income + $360K liquid assets + medical insurance. 10-year visa, renewable.
Updated requirements as of 2024 — verify current minimums before applying.
Taxes
Malaysia taxes worldwide income for residents.
Tax treaty exists. Foreign tax credit reduces US tax.
Healthcare
Private hospitals: world-class. Cash-pay 50-70% less than US.
Private insurance: $100-200/month adds full coverage.