Dear Coco Will be moving,like you, in approx 12 weeks and in similar situation as you and your husband, although neither of us will be working, initially. The E106, as you say, will cover health issues...up to 70% and only for a max of 2 years, you must have top-up insurnace to cover any differnece. Like your husband I intend maintaining NI contribution to ensure the state pension. If he has enough class 1 contributions made then he can opt for class 3 ( 2001 / 2002 rate = 6.75 pw) this can be paid Quarterly or annually, by prior arrangement. if you look in 'Living France' magazine you will see ads for some very good books who explain it all in 'lay persons' language. Good Luck MK/GK