Much better to enter Thailand on a tourist visa. Then apply in country for an extension of stay based on retirement.
That way health insurance (not covid insurance) is currently not required and if you do want health insurance you can purchase it from any provider in any country and not just the 14 Thai companies approved by Thailand.
Wrong. Elite Agents do the 90 day reporting for you.
I added the costs and services of an agent to the retirement visa expenses in order to have a common denominator to compare it to an equivalent Elite visa for someone that wants a generally hassle free experience.