Am not a visa expert, but O doesn't require insur, whereas OA does.
I don't have insurance nor want. Med costs here are so little. I got to know a Dr when 1st arr. Don't have any issues, get yearly ekg and blood work 1200 baht. Take a b-12 and testosterone shot once a month..500 baht.
Insur costs here are a scam, get to know a clinic or hosp, you'll get Thai rates.
Good diet, excercize, Thailand, so no stress.
Income method is 65,000 baht per month from outside of Thailand ( shows FTT in bankbook ).put a bit more to cover exchange rate, but baht is weakening so exch rate is fav. Now US 36.60 / $1US will ho to 38 soon
Don't know you Paul but Pattaya and GF aren't always what you think.
Cost me a house and a lot of $ years ago...be very, very careful