It’s more than a cost/benefit thing for me. I’m keeping that American insurance at least until I turn 65. It works here and is better insurance AND once I give it up I can’t get it back. Guess I’ll just have to bite the bullet and get the least expensive Thai coverage as well, for now.
I’m becoming more and more convinced that the best way to re-enter the kingdom if you leave with an O-A issued before 31-oct-19 and don’t have Thai insurance is by land.