Just found this from the think tank Centre for European Reform cer.org.uk/ Quote: But in the event that the UK decided to leave, some settlement would have to be negotiated with other EU member-states, to ensure that British emigrants could continue to live there. The outcome of such a negotiation may not be as straightforward as one might assume. Retired immigrants are on average a net drain on the public finances because of their heavy use of healthcare. In any bilateral negotiations between Britain and these four countries, the fact that free migration is more costly for France, Germany, Spain and Ireland than it is for Britain would not go unnoticed, and Britons abroad may find that access to healthcare becomes more expensive: currently, the Spanish government pays for British migrants’ visits to GPs. Unquote: Yes I know they are pro EU. but well respected by the Guardian and Financial Times