Non A-O for 50 year old (retirement) and Non O for 47 year old (dependent)

Does health insurance need to match that of the visa expiry, ie: Non A-O 12 months.

Is a return flight required with retirement and dependent visas?

We are a married couple returning to Thailand on a Non A-O visa (retirement) and Non O visa (dependent) in a few months, I understand we need 12 months insurance, but can this be insurance from any country provided it covers the requirements or does it need to be a Thai insurance company? The embassy sent me a link longstay.tgia.org but this is only Thai companies, also any recommendations are appreciated, thanks

Hope this post finds everyone well. Hopefully in the next 12/18 month's when Covid is in the rear view mirror I will be applying for a long stay Visa.If my understanding is Correct As I am in a long term relationship (8 years) but NOT Married I believe the multiple entry Non-O visa is not suitable for me?.So I have Roughly 3 Choices. A Multiple entry Non A-O, multiple entry Non O-X, or one of the Thai Elite Visas. Thanks in advance for any Advice.