@Stuart ********
so then you need the medical insurance, so em yeah, in regards to bank account it seems to vary a lot, a friend of mine who is 36 did it on his own on a visa exempt about 3 months ago, so it's not impossible just need to maybe try a few places, for him he got first place he tried and didn't need to get any extra insurances, so it does really seem to depend on the mood of staff any given day