To be sure, the nonimm O visa for retirement from the USA consulates require med insurance 40k outpatient and 400k inpatient, correct?
But this requirement does not carry over to an extension of stay, correct?
Thanks as always
Answer summary
The Non-O visa for retirement from the USA requires proof of health insurance covering outpatient services of 40k and inpatient services of 400k when applying at a consulate. However, these health insurance requirements do not carry over to extensions of stay once in Thailand.
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To avoid the need for insurance that the consulate wants (you’ll still need some for the ThailandPass) you can enter visa exempt or a regular tourist visa and then apply in country for a Non O visa and then extension from that. Needs a bit of fancy footwork for finances to be in place but is entirely doable.