Drawing a lump sum out of your pension isn't the only way to retire to Florida – the UK and US have a reciprocal agreement meaning that you can still draw your UK state pension whilst living in Florida and have it rise in line with the cost of living as if you were in the UK.

British citizens can certainly retire to Florida, but it is not as simple as just moving there; they must navigate the U.S. immigration and visa system, as there is no specific "retirement visa." In 2026, most British retirees use either a B-2 Visitor Visa, which allows them to stay for up to six months a year, or an E-2 Investor Visa if they plan to buy or start a business in Florida. The B-2 is the most common "snowbird" route, allowing retirees to spend the winter in Florida and the summer in the UK. For a permanent move, one would typically need a family sponsorship (Green Card) or a significant investment. Beyond the legalities, retirees must consider the high cost of U.S. healthcare, as they will not be eligible for Medicare and private insurance can be very expensive. Additionally, owning property in Florida as a non-resident involves specific tax implications (FIRPTA). Despite these hurdles, the warm climate and established British expat communities continue to make Florida a top dream destination for UK retirees willing to manage the administrative paperwork.