@Alex *********
I swapped from the OA to the O visa as a personal choice. I still kept up health insurance although it is no longer compulsory. I had been on the OA for about 16 months when I swapped. I considered swapping to the OX 5 year visa, but that only allows 2 x 5 years. I decided it was easier to just switch to the O Retirement Visa and be done with it. I opted for the 800k in my Thai bank account, rather than mucking around with the 65k every month. Sure you get very little interest on the money, but I don't have to worry with ensuring I transfer the 65k every calendar month. If you miss a month, you go back to square one in applying for the visa again. I just transfer when I need more spending money.