I just need to clear up a misconception regarding healthcare. Residencia does not automatically qualify you for Spanish healthcare. You must HAVE healthcare before you can apply for Residencia. This is achieved in 3 ways:
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1. By being retired and providing an S1 form from DWP
2. By obtaining Private healthcare valid for at least one year
3. By being employed on contract, or being self-employed and so paying Autónomo. It is the payment of autónomo that will qualify you for Spanish healthcare once Residencia is granted.
Once you have had Residencia 5 years, only then do you automatically qualify for Spanish healthcare, irrespective of autónomo being paid.
Post transition period, you will not apply for Residencia as UK will be a third country. At this stage, we are lead to believe you would apply under the General immigration regime, which places an income requirement almost 3 times the current requirement to qualify. At current it is 9.050€ per person applying annual average bank balance (or 5300€ each if a couple)
Post transition period, that requirement changes to an annual income of 27.000€