🇵🇦 Panama
Panama
The whole move — visa, taxes, insurance, money and cost of living — in one place.
Visa & Residency
Remote Worker Visa
Comfortable solo budget
€2,580/mo
Stay
9 months
Taxes Abroad
Territorial taxation
Living in Panama
The visa is step one. Here is the rest of what it takes to live here — each researched and sourced.
🛂 Visa & Residency
Digital nomad visa €2,580/mo Panama → 🧾 Taxes Abroad
Territorial taxation Tax-residency trigger: 183 days Panama → 🩺 Health Insurance
Required (explicit) Panama → 💶 Cost of Living
€1,600–€2,400/mo Panama City Panama → 🛡️ Health System
Only with social-security contributions Emergency: 911 Panama → 🏡 Housing & Relocation
1 mo rent Panama → Good to know
- Foreigners can rent on a passport with the same rights as nationals - no residency or visa status required to sign a lease
- Panama uses the US dollar, so rents are quoted in USD with no FX risk or conversion for many nomads
- Private hospitals in Panama City are high quality, with two JCI-accredited facilities (Hospital Punta Pacifica, affiliated with Johns Hopkins Medicine International, and Hospital San Fernando) and many US/Europe-trained, English-speaking doctors.
- MINSA public clinics and ERs are open to everyone, including foreigners and tourists, at very low cost — a basic public GP visit can be roughly USD 9-11 and a public ER visit around USD 50-100.
Watch out for
- The 45-day minimum-stay rule in the District of Panama (Ley 80 de 2012) bans sub-45-day rentals without an ATP tourism-lodging permit; it applies district-wide, including Casco Antiguo, so true short-stay options are limited unless the host holds a permit
- Lease contracts are legally valid only in Spanish (the Spanish version controls) - get a reliable translation before signing
- A temporary resident or nomad cannot join CSS (the contributory social-insurance fund) — that requires being a formally employed permanent resident who pays into it — so plan to rely on out-of-pocket payment, MINSA public clinics, or private health insurance.
- Quality and English-speaking care are concentrated in Panama City; rural public facilities are more basic and may have longer waits and limited English.
Cost of living
| Panama City | €1,600–€2,400/mo |
Qualifying insurance
Cigna Global Health Options – International Health Plans (Silver / Gold / Platinum) — Foyer Global Health (Essential / Special / Exclusive) €80/mo MyHealth International €52/mo
Qualifying insurance →