Podcasts about Sanitas

Das Abkommen soll den Fahrplan für weitere Verhandlungen festlegen, doch viele Details sind noch umstritten. Ob die geplante Unterzeichnung am Freitag klappt, ist offen, unter anderem könnte die Kritik Israels am Abkommen zum Stolperstein werden. Am Wochenende kamen G7-Kritikerinnen und -Kritiker zusammen, um über die Folgen der Globalisierung, wachsende Ungleichheit sowie die Auswirkungen Künstlicher Intelligenz auf die Arbeitswelt zu debattieren. Ein Besuch am wenig beachteten Gegengipfel. Eine neue Studie der Sanitas zeigt: Die meisten Befragten stufen ihr Risiko zu niedrig ein, an Diabetes, Krebs, Herz-Kreislauf-Erkrankungen oder Demenz zu erkranken. Während viele die Rolle der Gene überbewerten, wird der Einfluss des eigenen Lebensstils unterschätzt.

The Ultimate Guide for Americans Moving to Spain: Visas, Taxes, and Cross-Border Financial Planning By AIO Financial — Fee-Only Fiduciary Financial Planners Spain has quietly become one of the most popular destinations for Americans relocating abroad. The lifestyle is compelling — long lunches, walkable cities, world-class healthcare, sunshine, and a cost of living that, in many regions, runs 20–30% below comparable U.S. cities. But behind that lifestyle is a tax and regulatory system that can blindside Americans who move without proper planning. We work with U.S. expats every week at AIO Financial, and the same patterns keep showing up. People sell investments at exactly the wrong moment. They convert Roth IRAs and trigger Spanish tax bills they didn’t know existed. They open European brokerage accounts and accidentally buy PFICs. They miss the six-month window for the Beckham Law and lose six figures of potential tax savings. None of this is necessary. Almost every cross-border financial mistake we see is preventable with planning that starts twelve to eighteen months before the move — not after the boxes are unpacked in Valencia. This guide walks through what we believe every American family should understand before moving to Spain: the visa landscape after the Golden Visa was eliminated, how Spain actually taxes Americans (including the surprising treatment of Roth IRAs), what to do with your investments before you become a Spanish tax resident, and how to think about banking, currency, and cash transfers across borders. None of this is legal or tax advice for your specific situation, but it should give you a real working framework before you sit down with a cross-border specialist. Why Americans Are Moving to Spain Right Now The reasons people give us are remarkably consistent. They want better work-life balance. They want their kids to grow up bilingual. They’ve watched U.S. healthcare costs spiral and want a system that just works. They’re approaching retirement and the math on living in coastal Spain versus coastal Florida is hard to argue with. A few are motivated by political concerns; many simply want to live somewhere that feels less hurried. What makes Spain particularly attractive compared to other European destinations is the combination of a well-functioning Digital Nomad Visa, a meaningful (if imperfect) tax treaty with the United States, and a cost-of-living advantage that still holds up despite recent inflation. A single person can live comfortably in mid-sized Spanish cities like Valencia, Granada, or Málaga on roughly €1,600–€1,900 per month. Madrid and Barcelona cost more, but still less than San Francisco, Boston, or Seattle. The catch — and this is the part most relocation guides skip — is that Spain has a wealth tax, taxes worldwide income for residents, does not respect the U.S. tax-free status of Roth IRAs, and uses a fiscal-year structure that can leave new arrivals exposed to a full calendar year of Spanish taxation if they cross the 183-day threshold without realizing it. Done well, moving to Spain can be one of the best financial and lifestyle decisions a family makes. Done poorly, it can be a multi-year tax mess. Visa Pathways: What’s Available in 2026 Before any tax planning matters, you need legal residency. Spain offers several pathways for non-EU citizens, and the right one depends on whether you’re working, retired, or have substantial passive income. The Digital Nomad Visa (DNV) The Digital Nomad Visa, introduced under Spain’s 2023 Startup Act, has become the most popular route for working-age Americans. It allows non-EU remote workers — both employees of foreign companies and self-employed freelancers — to live legally in Spain while working for non-Spanish employers or clients. As of 2026, the income threshold is set at 200% of Spain’s Minimum Interprofessional Salary, which works out to approximately €2,850 per month, or roughly €34,200 per year. Most Spanish consulates recommend showing at least €3,000 monthly to account for currency fluctuations. If you’re applying with family, the income requirement increases. You’ll need to demonstrate an additional 75% of the SMI (about €1,035 per month) for your first dependent — typically a spouse — and 25% for each additional family member. A family of four moving together generally needs to show somewhere around €4,400 per month in qualifying income. The DNV initially issues a residence authorization valid for up to three years if applied for from within Spain, or a one-year visa if applied for through a Spanish consulate abroad. It can be renewed for additional periods, allowing total stays of up to five years, after which permanent residency becomes available. Citizenship is generally available after ten years of legal residency for U.S. nationals (two years for citizens of Latin American countries, the Philippines, Andorra, and a handful of others). Other key requirements include having worked with your current employer or clients for at least three months before applying, holding either a relevant university degree or three years of professional experience in your field, working for a company that has been in operation for at least one year, and earning no more than 20% of your income from Spanish sources. The application process typically takes four to five months. One important wrinkle for Americans: the U.S.–Spain Totalization Agreement does not currently cover remote work in the way that some other bilateral agreements do, so the U.S. Social Security Administration rarely issues Certificates of Coverage for DNV applicants. Most U.S. W-2 employees need to either get their employer to set up a Spanish “shadow payroll” arrangement, switch to 1099 contractor status and register as an autónomo (self-employed) in Spain, or accept that they’ll be paying into the Spanish social security system. This is a frequent friction point and is best resolved before the move, not after. The Non-Lucrative Visa (NLV) The Non-Lucrative Visa is the traditional retiree route — and increasingly used by Americans of any age with sufficient passive income. It explicitly does not permit working in Spain or remotely for any employer, which is its main limitation. As of 2026, applicants need to show approximately €2,400 per month (around €28,800 per year) in passive income or savings, with additional financial requirements for dependents. For genuinely retired Americans drawing Social Security, pension income, or living off investment portfolios, this is often the cleanest path. It comes with one substantial caveat that we’ll return to in the tax section: NLV holders are not eligible for the Beckham Law, so they pay full progressive Spanish tax rates on worldwide income from day one. The Golden Visa Is Gone If you’ve been planning around Spain’s Golden Visa — the residency-by-investment program that previously offered residency in exchange for a €500,000 real estate investment — that program ended in April 2025 as part of housing market reforms. New applications are no longer accepted. Existing Golden Visa holders retain their residency, but anyone considering this route now needs to look at alternative visas, or alternative countries (Portugal and Greece still operate similar programs, though Portugal’s no longer accepts real estate). The Highly Qualified Professional Visa For Americans being recruited by Spanish companies for skilled positions, the Highly Qualified Professional (HQP) Visa provides a path tied to a specific job offer. It’s typically valid for two years and renewable, and it qualifies the holder for the Beckham Law tax regime. This is less common for traditional relocation but matters for executives and engineers being hired into Spanish operations. Choosing Among Them In practice, most Americans we work with end up on either the DNV (if working remotely) or the NLV (if retired or financially independent). The choice has significant tax implications down the line, particularly around eligibility for the Beckham Law, which we’ll cover next. The Spanish Tax System: What Americans Actually Pay This is where most pre-move planning gets serious. Spain taxes its tax residents on worldwide income — meaning your U.S. dividends, your rental income from a property in Texas, your capital gains from selling Apple stock, all of it can be subject to Spanish tax. The U.S.–Spain tax treaty and the Foreign Tax Credit prevent most cases of literal double taxation, but the interaction between the two systems creates real planning challenges. When You Become a Tax Resident Spain considers you a tax resident if any one of three things is true: you spend more than 183 days in Spain during a calendar year, your “center of economic interests” is in Spain (meaning your primary income or main assets are there), or your spouse and minor children habitually live in Spain (a rebuttable presumption). The 183-day rule is the most common trigger, and importantly, sporadic absences count toward the total unless you can prove tax residency in another country. This matters because Spanish tax residency is binary and applies to the full calendar year. If you arrive in Spain on July 1 and stay through year-end, you’ve spent 184 days there and you’re a tax resident for the entire year — including January through June, when you were still living in the U.S. Smart timing of the move can save substantial tax. We often recommend arriving after July 2 in a given year, which keeps you under the 183-day threshold for that year and pushes Spanish tax residency to year two. Income Tax Brackets Spanish income tax (IRPF) is progressive and combines a national portion with a regional portion that varies by autonomous community. For 2026, the combined general rates run roughly: Up to €12,450: about 19% €12,451 to €20,200: about 24% €20,201 to €35,200: about 30% €35,201 to €60,000: about 37% €60,001 to €300,000: about 45% Over €300,000: about 47% Investment income — dividends, interest, capital gains, and rental income from investments — is taxed on a separate “savings” schedule: Up to €6,000: 19% €6,001 to €50,000: 21% €50,001 to €200,000: 23% €200,001 to €300,000: 27% Over €300,000: 30% For most American expats earning between €40,000 and €80,000 per year, the effective Spanish tax rate is about 25–33%, which is comparable to or slightly lower than combined U.S. federal and state taxes for the same income. The pain points aren’t usually the standard rates — they’re the wealth tax, the lack of Roth recognition, and Modelo 720 reporting. The Beckham Law: A Major Opportunity Spain’s “Beckham Law” — named for the soccer player who was its early high-profile beneficiary — allows qualifying newcomers to be taxed as non-residents for up to six years, despite physically living in Spain. Under this regime, you pay a flat 24% on Spanish-source employment income up to €600,000 per year (47% on amounts above that), and your foreign income is generally exempt from Spanish taxation. For an American earning €100,000 per year on a Digital Nomad Visa with an employment contract, the Beckham Law saves roughly €10,000 annually compared to standard progressive rates — and the savings grow rapidly at higher income levels. For someone earning €250,000, the savings can exceed €40,000 per year. The Beckham Law has strict requirements. You generally must not have been a Spanish tax resident in the previous five years, you must move to Spain because of an employment contract or to take on a directorship, and — critically — you must elect into the regime within six months of registering with Spanish Social Security. Miss that six-month window and you cannot opt in later. We’ve seen this mistake destroy tens of thousands of euros of potential tax savings. The regime is available to W-2 employees and DNV holders with employment contracts. It is not available to self-employed autónomos in most circumstances, nor to Non-Lucrative Visa holders. This is why your visa choice has such significant tax implications. The Wealth Tax This is the tax that most surprises Americans. Spain’s wealth tax (Impuesto sobre el Patrimonio) is an annual levy on net worth as of December 31 each year. Spanish tax residents pay on their worldwide assets; non-residents only pay on Spanish-located assets. The structure includes a national tax-free allowance of €700,000 per person (which means €1.4 million for a married couple holding assets jointly), plus an additional €300,000 exemption for your primary residence in Spain. Above those thresholds, rates run progressively from 0.2% to 3.5%, depending on total assets and the autonomous community where you reside. Regional variation matters enormously here. Madrid and Andalucía effectively eliminate the wealth tax through 100% regional bonifications, though the national-level Solidarity Tax on Large Fortunes still applies above €3 million in those regions. Catalonia, by contrast, applies the tax in full. If wealth tax exposure is a serious concern for your situation, the autonomous community you choose to live in becomes a meaningful planning variable. There’s also a Solidarity Tax on Large Fortunes, introduced in 2023, that applies to net wealth above €3 million and adds an additional 1.7% to 3.5% on assets above that threshold. It coordinates with regional wealth tax relief to provide a national floor, so even residents of Madrid pay it on assets above €3 million. Roth IRAs in Spain: A Critical Issue Here is one of the most important things for Americans to understand before moving: Spain does not respect the tax-free status of Roth IRAs. Under U.S. law, qualified Roth IRA distributions are entirely tax-free, since contributions were made with after-tax dollars. Spain doesn’t see it that way. The Spanish tax authority (Hacienda) classifies Roth IRA distributions as investment income — specifically, as income from movable capital — and taxes them at savings rates. The taxable portion is generally the gain (the increase in value over your contributions), not the entire distribution, but this still represents a substantial loss of the Roth’s core benefit. A 2022 binding consultation (V1291-22) clarified this treatment, and the same ruling generally requires Roth IRAs to be reported on Modelo 720 and included in wealth tax calculations. The strategic implications are significant. If you have a large Roth IRA and you’re moving to Spain, you may want to consider taking distributions before establishing Spanish tax residency, while distributions are still tax-free in both countries. After becoming a tax resident, every Roth IRA distribution will likely face Spanish tax on the embedded gains. The same applies to any Roth conversions you might be considering — generally you want these completed before the move, not after. Traditional 401(k) and IRA distributions are treated more conventionally as pension or general income in Spain, and they’re taxable in both countries with foreign tax credits relieving most of the double taxation. The U.S.–Spain treaty was updated by a protocol that entered into force in November 2019, and it improves the treatment of cross-border pensions in several ways, though it does not solve the Roth issue. Capital Gains and Investment Income For Spanish tax residents, capital gains on the sale of most U.S. securities (like stocks held in a brokerage account) are taxable in Spain at savings rates of 19% to 30%. Under the U.S.–Spain treaty, gains on the sale of shares are generally taxed only in the country of residence, with limited exceptions for real estate and substantial shareholdings, so the planning here is relatively clean: if you sell while a U.S. resident, you owe U.S. tax; if you sell while a Spanish resident, you owe Spanish tax. This creates a major pre-move planning opportunity. If you have substantial unrealized gains in your taxable investment accounts, the year before your move is a powerful window. You can harvest gains at U.S. long-term capital gains rates — which top out at 23.8% including the Net Investment Income Tax — rather than at Spanish savings tax rates that run as high as 30% above €300,000 in gains. For a portfolio with $500,000 in unrealized long-term gains, the difference can be tens of thousands of dollars. This is one of the most common planning moves we recommend for clients moving to Spain with appreciated portfolios. The strategy isn’t always to harvest. If you’re moving to a non-Beckham regime and your overall income will push you into Spain’s higher capital gains brackets later, harvesting now may be valuable. If you have low income in Spain and modest gains, the Spanish tax may actually be lower than your U.S. rate. The right answer depends on your specific numbers — which is exactly the kind of cross-border modeling a fee-only planner is well-positioned to do without bias. The Foreign Earned Income Exclusion and Foreign Tax Credit U.S. citizens are taxed on worldwide income regardless of where they live, so you’ll continue filing U.S. returns from Spain. Two main mechanisms prevent literal double taxation. The Foreign Earned Income Exclusion (FEIE), claimed on Form 2555, allows you to exclude up to $130,000 of foreign earned income from U.S. taxation for the 2025 tax year (the limit adjusts for inflation each year). Qualifying requires either the bona fide residence test or the physical presence test (330 full days outside the U.S. in any 12-month period). Importantly, the FEIE only covers earned income — wages and self-employment income — not investment income. The Foreign Tax Credit (FTC), claimed on Form 1116, gives you a dollar-for-dollar credit against U.S. taxes for income taxes paid to Spain. Because Spanish rates often exceed U.S. rates at higher income levels, most expats earning above the FEIE threshold find the FTC works better. Excess credits can be carried back one year and forward ten years. The choice between FEIE and FTC has secondary effects worth understanding. The FEIE can disqualify you from making Roth IRA contributions if it pushes your taxable U.S. income low enough. The FTC preserves earned income for IRA contribution purposes. For families with college-age children, the FEIE can also affect the calculation of education credits. Reporting Obligations: Modelo 720 and FBAR Spanish tax residents must file Modelo 720 each year, declaring foreign accounts, securities, and real estate that exceed €50,000 in any of three categories. The form is informational, not a tax return, but penalties for non-filing have historically been severe (though the European Court of Justice forced Spain to substantially soften them in 2022). The filing window is January 1 through March 31 each year for the prior year’s data. On the U.S. side, you’ll continue to file: FBAR (FinCEN Form 114): required when total foreign accounts exceed $10,000 at any point during the year. Form 8938 (FATCA): required when foreign financial assets exceed $200,000 at year-end or $300,000 at any point during the year for single filers living abroad ($400,000/$600,000 for married filing jointly). Form 8621: required for any PFIC holdings — more on this below. Form 8833: to disclose treaty positions. The reporting load is real but manageable with the right preparer. What gets people in trouble isn’t usually the difficulty of any single form — it’s not knowing the forms exist. Investments: What to Do Before You Become a Spanish Tax Resident This is the single most consequential financial planning area for Americans moving to Spain, and the area where pre-move action matters most. Once you’re a Spanish tax resident, your options narrow considerably. The window before that happens is when most of the high-leverage decisions get made. The Brokerage Account Problem A wave of U.S. brokerage firms — including Vanguard, Fidelity, Morgan Stanley, Merrill Lynch, Edward Jones, Ameriprise, TIAA, USAA, and others — have been restricting or closing accounts of U.S. citizens who update their address to a foreign country. The pace accelerated sharply in 2024 and 2025 as firms tightened compliance with anti-money-laundering and FATCA-related requirements. Some firms close accounts outright; others restrict trading to liquidating positions only; some allow continued holdings but block new purchases. The practical implications for someone planning to move to Spain are: Don’t update your address until you have a plan. Once your firm sees a Spanish address, you may have 30 to 60 days to make decisions under significant time pressure. Identify expat-friendly custodians in advance. Charles Schwab International and Interactive Brokers continue to serve U.S. expats in Spain with relatively few restrictions, and a handful of independent advisory firms maintain relationships with custodians who will hold accounts for U.S. citizens abroad — typically when those accounts are managed by the advisory firm rather than self-directed. Transfer assets in-kind, don’t liquidate. If you’re forced to move accounts, transferring securities directly between custodians avoids creating a tax event. Liquidating into cash can trigger massive unintended capital gains. We spend considerable time at AIO Financial helping clients structure their accounts to remain compliant and accessible from abroad. The best time to do this work is before the move. Why Local European Brokerages Are a Trap for Americans The natural instinct, once you’ve moved to Spain, is to open a Spanish or European brokerage account and invest locally. For non-Americans, this is fine. For U.S. citizens, it’s a tax catastrophe — because of the Passive Foreign Investment Company (PFIC) rules. Under U.S. tax law, virtually any non-U.S. pooled investment vehicle — every European mutual fund, every UCITS ETF, every European-domiciled index fund — is classified as a PFIC. The IRS designed PFIC rules to discourage Americans from investing in foreign funds that the IRS cannot easily audit, and the punishment is severe: PFICs are taxed at the highest ordinary income rates (currently up to 37%) on gains, with interest charges layered on top, and require an annual Form 8621 filing that can take a tax preparer several hours per fund to complete. There’s a Qualified Electing Fund (QEF) election that can avoid the worst of these rules, but it requires the foreign fund to provide an annual PFIC statement with very specific information. Almost no European fund managers produce these for retail investors, so QEF elections are theoretically available but practically impossible. The bottom line is straightforward: as a U.S. citizen living in Spain, you generally need to invest through a U.S. brokerage in U.S.-domiciled funds and ETFs. Buying European funds — even excellent, low-cost European index funds — turns a clean financial picture into a tax disaster. There’s a complicating wrinkle: EU MiFID II regulations restrict EU-resident investors from buying many U.S.-domiciled ETFs, because U.S. fund providers haven’t produced the EU-required Key Information Documents. Most U.S. expats in Europe end up holding individual stocks, ETFs purchased through expat-friendly U.S. brokerages, and pre-existing fund positions. Some use options strategies or structured workarounds. Working with a cross-border advisor who understands which products remain accessible matters here. Pre-Move Investment Moves to Consider Twelve to eighteen months before your move, the following are typically worth analyzing: Harvesting long-term capital gains. As discussed above, U.S. long-term gains rates often beat Spanish savings rates, and once you’re a Spanish resident, every sale potentially triggers Spanish tax. Strategically selling and rebuying appreciated positions in your final U.S. year can lock in U.S. tax treatment. Roth conversions. If you have meaningful traditional IRA balances and you’re not in a high U.S. tax bracket, completing Roth conversions before the move means the conversion is taxed at U.S. rates only. After the move, conversions get more complicated (and the resulting Roth doesn’t get U.S.-style tax-free treatment in Spain anyway). Roth distributions. For older clients with substantial Roth balances who plan to draw on them in retirement, taking distributions before becoming a Spanish tax resident captures the full Roth benefit. Once in Spain, the gain portion of every distribution is taxable. HSA decisions. Health Savings Accounts are not recognized by Spain. The income inside them is potentially taxable annually for Spanish tax residents. Some clients draw down HSAs before the move; others maintain them with the understanding that ongoing reporting and tax will apply. 529 plans. Similar issues. 529 plans aren’t recognized as tax-advantaged in Spain, and depending on the structure, may create ongoing Spanish tax liability. Drawing down 529s for U.S. educational use before the move, or restructuring them, is often part of the plan. Real estate decisions. Selling a U.S. primary residence before the move keeps the Section 121 exclusion ($250,000 single / $500,000 married) cleanly available under U.S. rules. Selling after the move adds Spanish tax considerations and can complicate the exclusion. Renting out the U.S. home while abroad creates ongoing reporting in both countries but can be the right answer for those who plan to return. Trust and estate review. U.S. revocable living trusts are not recognized as transparent in Spain — Spanish tax authorities may treat them as opaque foreign entities, which can create unexpected tax consequences. Estate plans drafted under U.S. assumptions often need substantial revision before a move. Should You Keep Investments in the U.S. or Move Them Abroad? For almost every American citizen moving to Spain, the answer is: keep your investments in the U.S. The combination of PFIC rules, EU MiFID II restrictions on U.S. ETFs, and the comparatively higher costs and lower transparency of European retail investing means that a U.S.-domiciled portfolio held at an expat-friendly U.S. brokerage is almost always the right structure. The exception is if you renounce U.S. citizenship — but that’s a separate, much larger conversation. What changes is what you hold and how you manage it. U.S.-domiciled ETFs and individual stocks remain the foundation. You may need to adjust around currency exposure (more on this below), tax-efficiency rules that differ between the two countries, and the loss of access to certain U.S. mutual funds that don’t allow non-resident purchases. Asset location — what you hold in Roth versus traditional versus taxable accounts — also looks different through a cross-border lens. Currency Considerations One question we get often: should you convert to euros once you move? The honest answer is “it depends on your time horizon and liabilities.” Most retirees and long-term residents in Spain end up with euro-denominated living expenses but dollar-denominated investments. Over time, this creates currency exposure: a 10% drop in the dollar means your investment portfolio buys 10% less in Spain. There are a few approaches we use with clients: Hold a euro cash reserve sufficient to cover 1–2 years of living expenses. This protects against short-term currency movements forcing investment sales at bad prices. Don’t try to time currency markets. Strategic currency hedging at the portfolio level is rarely worth the cost for individual investors. For larger portfolios, consider modest direct euro exposure through ETFs that hold European equities or international developed-market funds. Don’t overdo it — global diversification is good; concentrated currency bets are not. Moving Cash: How to Actually Get Money to Spain Getting funds across the Atlantic has gotten easier in recent years but still has friction points worth understanding. Wire Transfers vs. Money Service Providers Traditional bank wires from a U.S. bank to a Spanish bank work but are typically expensive — fees commonly run $25–$50 per outbound wire from the U.S. side, plus a poor exchange rate that often costs another 1–3% of the amount transferred. For a $100,000 transfer, that’s potentially $3,000+ in spread costs. Specialized providers like Wise (formerly TransferWise), OFX, and Revolut typically offer mid-market exchange rates with much lower fees, often under 0.5% all-in. For larger transfers, a foreign exchange broker can negotiate even better rates, sometimes with a forward contract that locks in the exchange rate for a specific future date — useful when you’re closing on a Spanish property and want to know exactly how many dollars the euro purchase price will cost. For most cross-Atlantic transfers under $250,000, Wise is the simplest and lowest-cost option. Above that, dedicated FX brokers start to make sense. Spanish Bank Accounts You’ll need a Spanish bank account for daily living. The traditional banks (CaixaBank, BBVA, Santander) all offer non-resident accounts you can open before establishing residency, though increasingly they want to see your NIE (Spanish foreigner identification number) or your visa. Newer digital banks like N26 and Revolut are popular with expats for their lower fees and English-language interfaces, though some Spanish landlords and employers still prefer traditional banks. A common approach: open a basic non-resident account at a major Spanish bank for housing transactions and government payments, plus a Wise multicurrency account for receiving USD income and converting to EUR efficiently. Reporting Large Transfers Both U.S. and Spanish authorities track large cross-border transfers. On the U.S. side, transfers over $10,000 are reported automatically by your bank to FinCEN. On the Spanish side, banks report incoming international transfers to the Banco de España and tax authorities. None of this is illegal or problematic — but if you’re moving $400,000 to buy a house in Valencia, expect both sides to know, and don’t structure transfers in ways that look like you’re trying to avoid reporting (which is itself a U.S. federal crime). Cash Buffer for the First Year We typically recommend clients have at least six months — preferably twelve months — of Spanish living expenses available in liquid form before the move, in addition to their long-term investment portfolio. The first year in Spain comes with surprise costs: temporary housing, deposits, immigration fees, legal and tax advisor fees, furniture, car purchases, healthcare deposits. Having a cash buffer means none of this requires selling investments at a bad time or running up debt at unfavorable rates. Healthcare, Insurance, and Social Security Spain has one of the better healthcare systems in the developed world, but accessing it as a new arrival requires planning. Most visa categories require private health insurance during the application process and typically through the first year of residency. Standard policies from companies like Adeslas, Sanitas, and Asisa run €60–€150 per month per person depending on age and coverage level. After establishing residency and (for those working in Spain) contributing to Spanish Social Security, you become eligible for the public system, which is generally excellent. For Americans on Medicare, Medicare does not cover care received in Spain. Some retirees maintain Medicare and pay the Part B premiums in case they return to the U.S.; others let it lapse. Reactivation comes with late-enrollment penalties, so this decision deserves careful thought before it’s made. U.S. Social Security retirement benefits continue to be paid to U.S. citizens living in Spain, and the U.S.–Spain Totalization Agreement helps prevent dual social security taxation for many work situations. Working in Spain also generates Spanish social security credits that may eventually qualify you for Spanish retirement benefits, though qualification typically requires fifteen or more years of contributions. Estate Planning Across Borders This is the area most often deferred — and most often regretted. U.S. estate plans drafted assuming U.S. residence rarely work cleanly in Spain. Spain has its own inheritance and gift tax (Impuesto sobre Sucesiones y Donaciones) that applies to Spanish residents and to inheritances of Spanish-located assets. National rates run from 7.65% to 34%, with multipliers based on the relationship between the deceased and the beneficiary. Autonomous communities have wide latitude to set their own rates and bonifications, so effective rates vary enormously: in Madrid, Andalucía, and several other regions, close family members pay almost nothing; in others, rates approach the national maximum. Spanish forced heirship rules also differ from U.S. rules. Spain reserves a legitimate portion of an estate for certain heirs (typically children), which can override testamentary wishes expressed in a U.S. will. EU Regulation 650/2012 allows you to elect U.S. (or your nationality’s) law to govern your succession, but this election generally must be made explicitly in your will and is not automatic. Revocable living trusts, the workhorse of U.S. estate planning, are not transparent in Spain. The Spanish tax authority may treat the trust as a separate opaque entity, which can create unexpected income tax during life and complicate inheritance treatment at death. Many cross-border families need to revise or replace their trust structure before the move. Practical recommendations: consult a Spanish abogado experienced in cross-border estate planning before the move. Have a Spanish will (separate from your U.S. will) covering Spanish-located assets. Make explicit choice-of-law elections under EU Regulation 650/2012. Review beneficiary designations on all U.S. accounts to ensure they still make sense. Lifestyle Costs: What Spain Actually Costs in 2026 A rough framework for Spanish living costs in 2026, by region: Mid-sized cities (Valencia, Granada, Málaga, Seville, Zaragoza): A comfortable lifestyle for a single person runs €1,800–€2,500 per month including rent for a one-bedroom in a desirable neighborhood. A couple typically lives well on €3,000–€4,500 per month. Madrid and Barcelona: Add 30–50% to the above. A nice one-bedroom in central Madrid runs €1,400–€2,000 per month; in Barcelona, €1,500–€2,200. Total monthly costs for a single person comfortably range €2,800–€4,000. Coastal premium areas (Marbella, Ibiza, parts of Mallorca): Closer to U.S. coastal city costs, especially in summer months. Expect €4,000+ monthly for comfortable single living, often €6,000+ for couples. Rural and smaller towns: Substantially lower. Many Americans report living comfortably in Spanish villages or small cities for €1,500–€2,000 monthly per person, including rent. These figures cover housing, food, utilities, transport, basic entertainment, and private health insurance. They don’t include big-ticket items like a car purchase, international travel, or major medical events. A Practical Pre-Move Timeline For a hypothetical move twelve to eighteen months in the future, here’s the timeline we generally recommend: T-18 to T-12 months: Strategic planning. Engage a U.S.-side cross-border financial planner and a Spanish abogado/tax specialist. Decide on visa pathway. Begin tax-projection modeling. Identify which U.S. accounts will move and which custodians can serve you abroad. Begin Spanish language study if you haven’t already. T-12 to T-9 months: Big financial moves. If indicated, complete Roth conversions. Begin strategic gain harvesting in taxable accounts. Review 529 and HSA balances for pre-move decisions. Decide on U.S. real estate (sell, rent, or hold). Update estate documents. T-9 to T-6 months: Visa application. Gather documents, get FBI background check apostilled, prepare income documentation, file the visa application. (Application processing typically takes 4–5 months.) T-6 to T-3 months: Logistics. Arrange international moving company. Begin planning what to ship versus sell versus store. Open expat-friendly U.S. brokerage account if needed. Open Spanish non-resident bank account if possible. Identify Spanish housing for the first 3–6 months. T-3 months to move date: Execution. Final tax planning moves. Cancel U.S. utilities, services, insurance. Notify employer if working remotely. Confirm all Spanish appointments (NIE, padrón, visa pickup). Time the actual move date for tax efficiency — generally after July 2 in any given calendar year if circumstances permit. T-0 to T+6 months in Spain: Settling in. Register with local padrón. Apply for Tarjeta de Identidad de Extranjero (TIE). Set up Spanish utilities, internet, healthcare. Critically: file Beckham Law election within 6 months of Social Security registration if eligible. Begin Spanish tax registration with AEAT. T+12 months: First Spanish tax return. File first IRPF return for the partial year (if applicable). Review and adjust ongoing tax strategy based on actual income realized. How AIO Financial Works With Cross-Border Clients At AIO Financial, our work with Americans moving to Spain is fundamentally about reducing the cost of bad surprises. We are a fee-only fiduciary firm — meaning we receive no commissions, no kickbacks, no revenue from any product we recommend. Our clients pay us directly, and we work only for them. That structure matters especially for international moves, where the financial services industry’s commission-based incentives often push expats into expensive insurance products and PFIC-laden offshore structures that primarily benefit the salesperson. Our typical engagement with a Spain-bound client involves an initial deep planning phase eight to twelve months before the move, then transition support during the move itself, then ongoing investment management and annual planning review once settled. We coordinate with Spanish tax counsel and U.S. expat tax preparers — we don’t replace them, but we make sure all the pieces fit together. We help clients maintain compliant U.S. brokerage relationships from abroad through our institutional arrangements. We don’t claim to be everything. We’re not Spanish lawyers or accountants. We don’t handle Spanish tax filings ourselves. Spain’s gestores and Spanish tax advisors handle that side of the picture. Our role is the U.S.-side planning and the cross-border coordination — making sure the two systems work together rather than against each other for our clients. The Bottom Line Moving to Spain can be one of the best financial and lifestyle decisions an American family makes. It can also be one of the most expensive, depending on how the planning goes. The difference is rarely about how much money you have — it’s about how much advance planning you do. The tax rates aren’t usually the killer. Spain isn’t dramatically more expensive than the U.S. on income tax for most middle-income families. What costs people money is the avoidable mistakes: missing the Beckham Law deadline, holding the wrong type of investments, triggering U.S. capital gains in Spain when they could have been harvested at home, getting blindsided by Modelo 720 reporting, ending up in a high-wealth-tax region without realizing it. Almost all of these are preventable. The work to prevent them mostly happens twelve to eighteen months before the plane takes off, not after. If you’re seriously considering Spain, the time to start the financial planning conversation is now. AIO Financial is a fee-only fiduciary financial planning firm registered with the SEC, headquartered in Tucson, Arizona, and serving clients virtually across the United States and abroad. We specialize in expat financial planning, sustainable and impact investing, retirement planning, and tax-aware investment management. We earn no commissions, sell no products, and are compensated only by our clients. To discuss your situation, visit aiofinancial.com or contact us at 520-325-0769. This guide is for educational purposes only and is not legal, tax, or investment advice. Tax laws and visa rules change frequently. The figures, thresholds, and rates cited reflect our understanding as of early 2026 and are subject to change. Please consult qualified U.S. and Spanish professionals about your specific situation before making cross-border financial or relocation decisions.

La Contraloría criticó el aumento de la deuda y el manejo de recursos por lluvias. En salud, hay alerta por cambios en la entrega de medicamentos a usuarios de Sanitas. La pobreza multidimensional bajó a 9,9 %, mientras aumentan los choques en la Alianza Verde y avanzan decisiones clave en justicia, tecnología y medio ambiente.See omnystudio.com/listener for privacy information.

Para el gremio que representa a entidades como Sanitas, Sura, Salud Total y Compensar, las directrices del mandatario carecen de claridad técnica y ponen en riesgo la estabilidad del sistema y la atención de millones de ciudadanos.See omnystudio.com/listener for privacy information.

Escuche esta y más noticias de LA PATRIA Radio de lunes a viernes por los 1540 AM de Radio Cóndor en Manizales y en www.lapatria.com, encuentre videos de las transmisiones en nuestro Facebook Live: www.facebook.com/lapatria.manizales/videos

LAPATRIARADIO LAPATRIA Noticias News Manizales Caldas Colombia JustIn Developing EnDesarrollo BreakingNews Breaking AlInstante World Info Data Clima Radio Flash Sports Depo rtes Listen AlAire OnAir Economics Report Periodismo Music Online Trending

In this very special recording Jeannette finds herself in an entrepreneur panel powerhouse, moderating an impactful, insightful conversation from the Festival Of Entrepreneurs Together, they pull back the curtain on the gritty reality of scaling a startup into an international brand, discussing everything from the necessity of regulatory compliance to the emotional resilience required to survive the "frogs" and rejections of the fundraising world. You'll Learn Why: Starting with full regulatory compliance from day one is essential for businesses in regulated industries Understanding your unit economics, cost to market, and customer spend is non-negotiable Successful fundraising often requires kissing a lot of frogs, with some founders reporting a 98% rejection rate In new categories, founders must move away from having all the answers and instead remain flexible This episode is living proof that no matter where you're starting from — or what life throws at you — it's never too late to be brave, bold, and unlock your inner brilliant. Visit ⁠https://brave-bold-brilliant.com/⁠ for free tools, guides and resources to help you take action now

En este episodio de INVIVEN, nos acompaña Diego Ballesteros, un referente en el ecosistema emprendedor con casi 30 años de experiencia fundando empresas como Ocioteca, Mundo Salud (adquirida por Sanitas) y SinDelantal (adquirida por Just Eat). Sin embargo, detrás de los titulares de éxito y las ventas millonarias, Diego vivió una realidad que pocos cuentan. En 2020, tras años de estrés crónico y una vida insana dedicada al trabajo, sufrió una depresión mayor que le obligó a replantearse todo y reinventarse. Conversamos sobre la diferencia entre ser emprendedor y empresario, y por qué Diego se define como alguien que disfruta "el barro" y el folio en blanco, aunque eso conlleve una gestión emocional brutal. Diego nos habla con total honestidad sobre Ancla.life, su proyecto social para prevenir problemas de salud mental en emprendedores, y comparte herramientas prácticas para "engañar a la mente" en momentos de ansiedad. Un episodio imprescindible donde desmontamos el mito del emprendedor invencible y redefinimos el éxito no como dinero o reconocimiento, sino como la calma. En este episodio aprenderás: Emprendedor vs. Empresario: Por qué algunos disfrutan creando desde cero y se aburren gestionando el éxito. La cara B del éxito: Cómo el estrés crónico puede esconderse detrás de grandes hitos empresariales hasta provocar el colapso físico y mental. Gestión emocional: Técnicas para hackear al cerebro en momentos de pánico (y la anécdota de la lista de música en Mercadona). El consejo radical de Diego: Por qué su primera recomendación a quien quiere montar un negocio es "no emprendas". Familia y negocios: Cómo gestionar la vida familiar y educar a los hijos en la realidad del emprendimiento sin filtros ("Bridge University"). Notas y Recursos Mencionados: Invitado: Diego Ballesteros, emprendedor en serie e inversor. Actualmente liderando Bewe y fundador de Ancla.life. Proyecto social: Ancla.life - Incluye un test gratuito de fatiga mental. Libro recomendado: The Hard Thing About Hard Things (Lo difícil de las cosas difíciles) de Ben Horowitz. Cita destacada: "El éxito es la calma, estar tranquilo pase lo que pase". Suscríbete a este podcast y descubre cómo tener una verdadera mentalidad de negocio y no sólo de autoempleo. Y, si quieres recibir mi newsletter todos los días en tu buzón, regístrate en www.rosamontana.com Escucha el episodio completo en la app de iVoox, o descubre todo el catálogo de iVoox Originals

In this episode of The Broker Link Podcast, Mike Papuc and Sonia Porras take a deep dive into UnitedHealthcare's growing role in the ACA market and what it means for agents and consumers. As a top-five Fortune 500 company, UHC continues to expand its footprint across multiple product lines, leveraging robust data and analytics to design plans that better meet member needs. The conversation highlights how UHC uses data to inform healthcare delivery while addressing social determinants of health, helping improve access, outcomes, and long-term member satisfaction. Mike and Sonia also discuss the potential impact of expiring enhanced premium tax credits, noting how consumer behavior may shift from Silver plans toward Bronze or Gold options as affordability becomes a key factor. A key focus of the episode is UHC's value-based care partnership with Sanitas in the San Antonio market, which brings primary care, preventive services, and specialty care together under one roof for a more integrated member experience. The episode wraps with encouragement for agents to diversify their portfolios, stay informed during market uncertainty, and continue delivering exceptional service to clients navigating ACA decisions. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/       

Der Sanitas Health Forecast Podcast startet neu! Ab dem 31. Dezember erwarten dich frische Stimmen, neue Perspektiven und Geschichten, die die Zukunft der Gesundheit prägen. Nadja Brenneisen spricht alle zwei Wochen mit Menschen, die Gesundheit neu denken – inspirierend, relevant und nah dran. Jetzt abonnieren und keine Folge verpassen!

„Nespēju atteikties ne no kā.” Tā par dažādiem materiāliem, formām un apdedzināšanas tehnikām atzīst māksliniece Sanita Ābelīte. Darbojoties keramikā 25 gadus, Rīgas Porcelāna muzejā viņai pirmo reizi sarīkota retrospektīva izstāde „12:12”. Darbi no Alsungas darbnīcas atceļojuši uz Rīgu, lai krāšņi atklātu daudzpusību, kādā māksliniece rada funkcionālus priekšmetus, kas saplūst ar mazās formas tēlniecību.  Sanitas Ābelītes retrospektīva izstāde „12:12” Rīgas Porcelāna muzejā būs skatāma līdz nākama gada 8.februārim.

Der Sanitas Health Forecast Podcast startet neu! Ab dem 31. Dezember erwarten dich frische Stimmen, neue Perspektiven und Geschichten, die die Zukunft der Gesundheit prägen. Nadja Brenneisen spricht alle zwei Wochen mit Menschen, die Gesundheit neu denken – inspirierend, relevant und nah dran. Jetzt abonnieren und keine Folge verpassen!

En este episodio de La opinión de Marm te cuento el día completo que he tenido: mi coche sigue en el taller por la caja de cambios, me dejan un coche una amiga… y también termina roto en plena carretera. Entre líos de embragues, pruebas y recogidas inesperadas, cierro el día cambiando finalmente mi seguro de salud a Sanitas, que me ofrece mejor cobertura gracias al acuerdo con Santa Lucía.Y, por si fuera poco, remato la jornada con un menú del header de un cliente que decide desconfigurarse sin motivo aparente. Al final, tiro de mi método habitual: crear uno nuevo y seguir adelante.Un episodio grabado mientras camino, contando todo tal y como ha pasado, sin filtros.**Si buscas contenido auténtico y variado, ¡estoy en YouTube, Telegram y en las plataformas de podcasting para ti!

El programa de esta semana se realiza durante la jornada del ISMS Forum celebrada en el Estadio Metropolitano de Madrid.Como invitados tenemos a Óscar Sánchez (CISO de PUIG), Antonio Cerezo (CISO de SANITAS) y Jaime Perea (CARREFOUR). También contamos con la asistencia de Women4Cyber, representadas por Ana Gómez (BBVA) y Elena García (Microsoft).Con: Mar Sánchez. Dirige: Carlos Lillo. Producción: ClickRadioTV. Gracias a: Semperis, Cyber Guru, Cato Networks, V-Valley, Kaspersky, Cybertix

Marie Laroche-Manceau, escrimeuse des Salles d’Armes Tourangelles, S.A.T., club d’escrime de Tours, est sélectionnée aux championnats du monde de fleuret, qui se dérouleront à Barhein, les 19 et 20 novembre 2025. Occasion rêvée de se rendre au Palais des Sports, quartier du Sanitas, pour rencontrer Camille Rocheteau, maître d’armes ; Laure-Line Cinçon, trésorière et escrimeuse […] L'article La Méridienne – Marie Laroche-Manceau, fleurettiste, aux Championnats du monde de Barhein est apparu en premier sur Radio Campus Tours - 99.5 FM.

En Empresas con Identidad, conocimos a Nacho Travesí, fundador de Orbio, la startup española que ha levantado 7,6 millones de dólares para redefinir el futuro de los Recursos Humanos con el primer AI-native HR system del mercado. Orbio desarrolla agentes autónomos y conversacionales basados en inteligencia artificial que gestionan de forma continua el ciclo de vida del empleado, desde la selección hasta la retención del talento, reduciendo la carga operativa y potenciando el papel estratégico de los equipos de RRHH. La ronda de financiación, liderada por Visionaries Club y con el respaldo de Plus Partners y Enzo Ventures, permitirá a la compañía acelerar su expansión internacional y reforzar su capacidad tecnológica. En solo cuatro meses, Orbio ha gestionado más de 60.000 entrevistas para empresas como Ribera Salud, AT&T, Vicio, Honest Greens y Verisure, reduciendo los procesos de contratación en un 80% y la rotación temprana en un 20%. En Digital Business, Stella Luna de María, CEO de Pentaquark Consulting, alertó sobre la posible burbuja de la inteligencia artificial, especialmente en el auge de las IA de vídeo, que están “aprendiendo a imitar el mundo” mediante el uso masivo de contenidos de plataformas como YouTube. Subrayó la necesidad de regular el entrenamiento de modelos para evitar conflictos de propiedad intelectual y sesgos de contenido. La jornada concluyó con una entrevista conjunta a Jesús Jerónimo, director de Salud Digital en SANITAS & BUPA Europa y Latam, y Alejo Costa, General Partner de CRB Digital Health III, el fondo español de capital riesgo especializado en salud digital que acaba de recibir 9,9 millones de euros de inversión pública a través de la Sociedad Española para la Transformación Tecnológica (SETT). Ambos destacaron el papel de la digitalización en la eficiencia del sistema sanitario y la importancia de la colaboración público-privada para acelerar la innovación. El fondo, que ya supera los 30 millones de euros, cuenta con el apoyo de Sanitas, Occident, CBNK, Cantabria Labs, Roca Group Ventures y el ICF, entre otros.

En Capital Intereconomía hemos puesto hoy el foco en la innovación tecnológica y sanitaria, con una edición muy especial de Empresas con Identidad y Digital Business. En Empresas con Identidad, conversamos con Julio Ferrón, CEO de Neitec, la startup que acaba de ganar el Startup Contest 2025 de MERGE Madrid con su plataforma Debita, una infraestructura de crédito privado tokenizado que conecta al mid-market con inversores globales bajo el marco regulatorio MiCA. Ferrón explicó cómo Neitec busca democratizar el acceso a la financiación mediante tecnología blockchain, aportando transparencia, trazabilidad y eficiencia a los mercados emergentes de deuda. Durante el evento, el debate giró en torno al futuro de los pagos y la tokenización del dinero. Mastercard presentó su avance con stablecoins en tres frentes —cripto-tarjetas, liquidaciones en stablecoin y su red Multitoken Network—, mientras que BBVA y Santander coincidieron en que el gran reto del sistema financiero digital no es técnico, sino cultural, y que el marco europeo MiCA aporta seguridad y confianza. El panel “Las Stablecoins y su Influencia Global: Europa vs. EE. UU.” concluyó que ambos bloques avanzan por caminos distintos pero complementarios: Europa con foco en la regulación y EE. UU. en la innovación. En Digital Business, Stella Luna de María, CEO de Pentaquark Consulting, advirtió sobre la posible burbuja de la inteligencia artificial, en especial en el auge de las IA de vídeo, que están “aprendiendo a imitar el mundo” mediante un uso masivo de contenido de plataformas como YouTube. La jornada continuó con una entrevista conjunta a Jesús Jerónimo, director de Salud Digital en SANITAS & BUPA Europa y Latam, y Alejo Costa, General Partner de CRB Digital Health III, el fondo español de capital riesgo especializado en salud digital que acaba de recibir una inversión de 9,9 millones de euros del Gobierno de España a través de la Sociedad Española para la Transformación Tecnológica (SETT). Ambos coincidieron en que la digitalización del sistema sanitario es clave para mejorar la eficiencia, la prevención y la atención personalizada, y que la colaboración público-privada será esencial para impulsar la sostenibilidad del sistema de salud. El fondo ya supera los 30 millones de euros y cuenta con el respaldo de Sanitas, Occident, CBNK, Cantabria Labs, Roca Group Ventures y el ICF, entre otros inversores.

In this episode of The Broker Link, Mike Papuc and Sonia Porras dive into the exclusive ACA partnership between UnitedHealthcare and Sanitas Clinics, a collaboration that's reshaping access to care in the San Antonio community. Focused on value-based care, this partnership aims to deliver comprehensive, culturally aligned healthcare — from preventive medicine to mental health services — to better serve the Hispanic community, where more than 200,000 individuals remain uninsured. Listeners will learn how this partnership is designed to make coverage more accessible and sustainable through:

Menschen mit Vorerkrankung erhalten bei Sanitas angeblich «volle Deckung» in der Zusatzversicherung. Schön wär's! +++ Weiteres Thema: Was ist eine Mietzinsreserve, auch Vorbehalt genannt, im Mietvertrag?

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El Grupo Keralti, propietario de EPS Sanitas, ha denunciado públicamente el prolongado incumplimiento por parte del Gobierno Nacional de una orden emitida por la Corte Constitucional hace casi dos meses, la cual mandata la devolución de la intervención de Sanitas.See omnystudio.com/listener for privacy information.

Sanitas Rībenas debijas dzejas krājums „Kaķe” tapis kā blakne rakstniecības studijām Liepājas Universitātē. Savukārt ideja par pašām studijām jau nobriedušā vecumā izaugusi no iekšējas pārliecības, ka cilvēkam ir jāseko skaistumam un visas dzīves garumā jāizkopj sevī spēja pamanīt pasauli ārpus ikdienišķā. „Esiet sveicināti!” – Tā sākas Sanitas Rībenas debijas dzejas krājums „Kaķe”. Mūsu sarunbiedre šai raidījumā vēl paspēs sasmīdināt ar paziņojumu, ka krājums ir tapis kā blakne studijām Liepājas Universitātes Rakstniecības programmā. Tāda esot bijusi viņas maģistra darba būtība: atrast vai vislabāk – sarakstīt – dzejoļu krājumu, un tad teorētiski izpētīt, cik dažādi tajā iekļautos dzejoļus iespējams interpretēt tekstu veseluma ietvaros. Krājuma redaktors Ivars Šteinbergs tobrīd strādāja pie literatūras žurnāla “Strāva” dzīvniekiem veltītā numura, šī vai cita iemesla dēļ arī Sanitas Rībenas krājumam kā vienojošo tēmu izvēlējās dzīvnieku tēlus. Iepazīstam suni, krājuma nosaukumā likta kaķe, ir vēl lūsis un lapsa. Ja būtu jāatrod vienojoša tēma Sanitas Rībenas debijas krājumā, var cieši turēties pie sekojošajā sarunā izskanējušās atziņas, ka paralēli maizes darbam un ikdienas dzīvei, dzīves garumā cilvēkam ir tik ļoti nepieciešams arī kaut kas aiz tā – kāda neproduktivitātes, nelietderīguma dimensija. Skaistuma meklējumi… Sanita Rībena savā dzīvē tos īstenojusi daudzveidīgi: dzejā, dejā, mūzikā, dabā... Leģenda par kaķi ar deviņām dzīvībām, iedvesmojusi arī Sanitas Rībenas krājuma nodaļu nosaukumus. Ir “Pirmās dzīvības”. Tad “Citas dzīvības”. Lieta kļūst nopietna kad tās rezerves dzīves iet uz beigām nodaļā “Pēdējās dzīvības”. Tituldzejolis “Kaķe”. Sarunas gaitā Sanitai Rībenai vaicājam, kā smalko pasaules vērojumu, kas ir viņas dzejā, ietekmējusi, piemēram, dalība akcijā “Mana jūra”, kuras misija ir jūras ūdens kvalitātes apsekošana, bet tīri fiziskā izpausme – vairākdienu iešana gar Baltijas jūras krastu. Dzejā pieminēts Dante un Sokrāts, vai filozofijas studijas, citu tekstu lasīšana ietekmē? Taču izrādās, ka šobrīd Sanitas dzīvē aktuālāka ir deja un kustība – kontaktimprovizācija – vēl viens viņas sevis un pasaules izzināšanas veids. Un tā, gandrīz nejauši, uzzinām, ka arī dzejas krājuma “Kaķe” atvēršanas svētkos Sanitas Rībenas dzeja tiks ne tikai lasīta, bet arī izdejota, kas lielā mērā arī noteicis izvēlēto dzejoļu saturu un ritmu.

El presidente de la EPS Sanitas aseguró en 6AM que desde el primer momento están haciendo todo lo posible por cumplir con la orden de la Corte Constitucional.

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Escuche el programa de este viernes 27 de junio. La Luciérnaga, un espacio de humor y opinión de Caracol Radio que desde hace 33 años acompaña a sus oyentes en su regreso casa.

Resumen informativo con las noticias más destacadas de Colombia y el mundo del viernes 27 de junio a las doce del día.

Según el abogado, entre 10 y 15 días se ejecutará materialmente la decisión, con lo cual se restablecerán las instancias de dirección de Sanitas.See omnystudio.com/listener for privacy information.

En un país tan complejo y diverso, hay que escuchar a quienes no tienen voz y hablar con claridad de lo más complicado en Mañanas Blu con Camila Zuluaga del 27 de junio de 2025.See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

Doctora Ángela Pancorbo de Clínica Dental Sanitas Aljarafe  en Hoy por Hoy Sevilla

Jana Martínez-Piqueras es una destacada experta en altas capacidades y presidenta de ‘Indifferent Minds Foundation', donde ofrece asesoría, formación y atención a familias y profesionales en este ámbito. Su labor se centra en transformar la percepción y el apoyo a personas con altas capacidades, promoviendo una educación inclusiva y adaptada a sus necesidades únicas. Además, comparte su conocimiento y experiencia a través de conferencias y talleres de enriquecimiento a profesores y psicólogos, contribuyendo significativamente al avance y comprensión de las altas capacidades en la sociedad. Según explica: “Un 15% de las personas tiene alta capacidad. Esto significa que aprenden, piensan y sienten de forma diferente. No es una patología, pero si no se detecta y atiende, sí puede generarlas”. Y añade: “La neurociencia ha demostrado que el cerebro con alta capacidad es funcional y morfológicamente distinto. Así que tenemos que tratarlo distinto… si queremos que funcione”. Martínez-Piqueras fue directora del ‘Programa de atención a la Alta Capacidad' en el colegio San Patricio de Madrid y, también, cofundadora y directora de la ‘Unidad de Altas Capacidades' de la aseguradora de salud Sanitas. En la actualidad, diseña e imparte formación en el ámbito sanitario, educativo y empresarial para su detección. También asesora a centros educativos para la atención en el aula y orienta a las familias con las gestiones y necesidades que se presentan. Todo ello, concluye, “para que cuando se sospeche una "diferencia", se encuentre la respuesta y un acompañamiento en la pregunta de: "¿Y ahora qué?".

Kota, the insurance benefits platform and API, has announced it has raised $14.5m in Series A funding bringing total funding to $22.9 million. The round was led by Eurazeo, along with existing investors EQT Ventures, Northzone, Frontline Ventures and new investors in 9Yards and Plug and Play. The investment will power Kota's mission to make employee benefits globally accessible and frictionless for employees - delivered through its intuitive platform and flexible API. Alongside their Series A, they are also announcing that they've obtained their Central Bank of Ireland Authorisation, making it one of the few technology platforms to be regulated . Kota is rebuilding employee benefits from the ground up. Millions miss out on essentials like pensions and healthcare - not because employers don't care, but because the system is broken. Legacy providers, PDFs, and manual processes make benefits inaccessible and unmanageable. Kota fixes this. Like Revolut did for banking, Kota delivers a modern, user-first experience for employee benefits. It integrates directly with insurers and pension providers, giving employees real-time access and control, and HR teams a single, reliable platform to manage everything. By combining their regulation, infrastructure, and user friendly platform and app, they make benefits effortless for HR & Finance, and engaging for employees. The funding will be used to expand the Kota team, increase the variety of insurance carrier partners in its products, and accelerate customer acquisition. Luke Mackey Founder and CEO said "Employee benefits, which can make up 25% of total compensation, are systematically undervalued and expensive. I experienced this as a founder and a GM -- managing benefits in email, between brokers and insurance companies, completely disconnected and alien from anything else in the business. It's entirely out of date. Ultimately, no one on the team connected or engaged with them, no matter how much we invested. It's not surprising. Insurance benefits are delivered in clunky portals or in PDFs, which is so un engaging compared to the financial experiences employees are used to.Kota integrates directly with insurance companies so we can control that experience and make it easy to roll out and run benefits, no matter who you are or where your team is. This means that employees can quickly understand, enrol, access coverage, retirement plans, or other benefits, and actually value them." Elise Stern from Eurazeo said "Kota really stood out to us. With a tech-first approach, they've built a robust technical and financial infrastructure: deep integrations with insurers across dozens of countries, visibility across the benefits stack, and a seamless API that allows partners - from HRIS to payroll - to embed benefits natively." Since launching in 2023, Kota has helped hundreds of small and medium sized companies seamlessly access, easily manage, along with tens of thousands of employees understand and value their cover. Kota integrates with and offers some of Europe's leading insurance providers, like Vitality in the UK, ONVZ in the Netherlands, Sanitas in Spain, Irish Life Health in Ireland, Allianz Global Care internationally, and many more. Kota powers benefits for Remote.com, and has become the benefits platform of choice for leading scale-ups across Europe such as Zoe Health, Poolside, Carwow, Tines, &Open and Protex AI. Last year, they launched Kota Embed, their embedded insurance offering for HR platforms to make insurance benefits available to their customers without leaving their HRIS or Payroll tool, with customers like Remote, Helios and insurance companies like Irish Life Health as customers. Historically employee benefits have lived offline outside the stack that HR and employees have come accustomed to and are difficult to manage and understand. Employee benefits, while growing into a $70bn market, are still completely unfit for lean, forward-thinking start-ups and scale-ups - parti...

FREAKSHOW DOUBLES: https://ticketline.sapo.pt/evento/freakshow-doubles-91380FREAKSHOW LABS: https://ticketline.sapo.pt/pesquisa?query=freakshow+labs&district=&venue=&category=&from=&to=CUBINHO, o podcast do colectivo CUBO. António Azevedo Coutinho, Ricardo Maria e Vítor Sá arrancam com a segunda parte deste projecto a três frentes. CUBINHO, um podcast em que se garante boa disposição e alguém a embirrar com o Ricardo.António Azevedo Coutinho https://www.instagram.com/antonioacoutinho/https://twitter.com/antonioacoutinhRicardo Mariahttps://www.instagram.com/ricardotaomaria/https://twitter.com/ricardotaomariaVítor Sáhttps://www.instagram.com/savitorsa/https://twitter.com/savitorsa

Resumen informativo con las noticias más destacadas de Colombia y el mundo del miercoles 2 de abril 8:00am

¿Todos podemos someternos a la higiene dental o hay casos que requieren algo más? ¿Qué es mejor, implante o puente? o ¿Qué tipo de ortodoncia es mejor en mi caso? Son preguntas a las que ha respondido la doctora Pancorbo en Hoy por Hoy Sevilla

Tonight on Veritas… Are we living inside a carefully crafted simulation? Suspend your disbelief as we explore a discovery that could reshape everything we think we know about reality itself. Our guest, filmmaker, entrepreneur, and psychonaut Danny Goler, has pursued life’s deepest mysteries with relentless passion. Since his youth, he has been captivated by the underlying structure of the universe. Now, he claims to have glimpsed the “source code” of existence through DMT and the unique lens of a 650nm refractive laser "a profound revelation captured in The Discovery, his upcoming documentary. If you joined me for my Sanitas interview with Dr. Rick Strassman, tonight’s discussion elevates the conversation to an entirely new plane. Danny’s findings suggest there may be a shared architecture beneath our reality, with over 100 participants consistently reporting visions of the same symbols, patterns, and even entities "an indication that DMT could be more than a personal experience; it may serve as a portal into a collective realm. Are these visions clues to a hidden order beneath what we perceive? A true Renaissance man, Danny has both physical and metaphysical prowess as a finalist on American Ninja Warrior, an artist, and a champion of holistic development. Tonight, we probe the boundaries of perception, consider the notion of a psychosphere structured by recurring symbols, and question whether conventional science is even capable of comprehending the depth of Danny’s findings. If this reality is a simulation, we ask: Who--or what "might lie beyond? As Danny puts it: “Your brain is simulating what you're seeing right now. This is not what reality looks like. This is a very tiny sliver of what your brain constructs into what you think is the physical world. So all you're saying here is that the simulation is not just occurring by the laws of physics, but that somebody is actually simulating it.”

Jovens que procuram a Inteligência Artificial enquanto apoio emocional e ainda uma solução para telemóveis que caem em sanitas.

El interventor de EPS Sanitas, Dubert Vargas Rojas, habló en exclusiva con W Radio para aclarar la situación y las medidas que la entidad está tomando frente a las quejas de los usuarios. 

Eye care is brimming with innovation, but rarely does the industry collaborate on what's inevitable - change. In this episode of Power Hour, host Eugene Shatsman is joined by John Walborn and Jeff Poe from Sanitas Advisors, two industry veterans, as they explore the dynamic changes shaping the future of eye care, from groundbreaking technologies to strategic business models that promise to redefine patient care. 

Ana María Vesga presidente de ACEMI - Asociación Colombiana de Empresas de Medicina IntegralTema: Intervención del gobierno Petro a Sanitas y Nueva EPS. 

Andrés Forero- Representante a la Cámara por el Centro DemocráticoTema: Reforma a la salud e intervención a Sanitas