For many, the allure of a fresh start in a new location holds an irresistible charm. The prospect of altering cities, homes, and daily rhythms can invigorate the spirit, offering a gateway to novel experiences. In late 2024, Jessica Swearingen and her husband, Manoj, embarked on a trip to Hawaii to participate in the Honolulu Marathon. This event symbolized the culmination of their ambitious goal to run a marathon in every state across the United States. With this achievement behind them, they recognized it was time to pursue something different.
A Long-Held Dream Takes Shape
Manoj and Jessica had long harbored a desire to reside in Europe. They both prized a more relaxed pace of life, the convenience of travel, and superior access to healthcare—elements they felt were lacking in the U.S. Their research led them to discover the Dutch American Friendship Treaty (DAFT), a visa program that permits Americans to work as freelancers in the Netherlands. This opportunity aligned perfectly with their professional aspirations.
At the time of their decision, Jessica was employed as a contractor with the Centers for Disease Control and Prevention, with her contract scheduled to conclude in March 2025. She aimed to return to freelance writing, a career path well-suited to the DAFT visa. Manoj, already established as a self-employed graphic designer, found that the freelance visa would not necessitate a major shift in his work.
The Catalysts for Change
The outcome of the 2024 presidential election served as an additional impetus, prompting them to expedite their relocation plans. By mid-March 2025, they had divested themselves of most possessions, retaining only what could fit on a single shipping pallet. They sold their home in Milwaukee and acquired a property in the Netherlands. On March 19, 2025, they arrived at Schiphol Airport in Amsterdam, accompanied by their luggage and two weary, disgruntled cats.
Reflections After One Year
As they approach their one-year anniversary in the Netherlands, Jessica is confident in their choice. She acknowledges that the country is not without its flaws. Challenges include the rise of far-right political movements, the difficulty of mastering the Dutch language, expensive and scarce housing, costly public transportation, and the absence of family and friends.
Nevertheless, the move has brought a profound sense of relief. Over the past year, the anxiety associated with daily life has significantly diminished. While global concerns still provoke occasional sleepless nights, the constant tension over routine matters has faded. In the Netherlands, the fundamental systems that ensure safety and well-being generally function effectively.
Healthcare: A Right, Not a Privilege
During their final years in America, Jessica worked as a government contractor, providing health insurance for both herself and Manoj. Despite employer contributions, they paid nearly $800 monthly, with a family deductible of $3,000, and faced restrictions imposed by their insurance provider. In contrast, the Netherlands views healthcare as a universal right. In 2026, the base cost is approximately 160 euros per person per month, with an annual deductible of 385 euros for adults. Optional higher premiums cover additional services like dental care, physical therapy, and vision care.
Jessica notes that even without vision insurance, her eye exam, glasses, and a year's supply of contact lenses were substantially cheaper than in the U.S. with coverage. While they had heard anecdotes about difficulties accessing care, such as doctors frequently recommending paracetamol, their personal experiences have been positive. Both have received quality care from their general practitioner for minor issues, without any resistance.
Freedom from Gun Anxiety
A pivotal moment occurred during a visit to a movie theater in Maastricht, Limburg, while they were exploring potential places to live. Watching "Wicked" in English with Dutch subtitles, Jessica realized it was the first time she could recall enjoying a film without fearing a gun-related incident. In American theaters, she habitually scanned for exits and worried throughout the movie. She finds it challenging to convey American gun culture to Dutch acquaintances, who view repeated mass shootings as "insanity." Living without the constant dread of gun violence has been liberating, revealing the hidden stress she once carried.
Embracing a Car-Free Lifestyle
Another cherished aspect of Dutch life is the ability to live comfortably without a car. They rely on bicycles for daily errands like grocery shopping, with well-maintained, protected bike lanes ensuring safety—a stark contrast to the dangers of cycling in America due to speeding vehicles and poor infrastructure. The savings from avoiding car payments, fuel, and insurance allow for more leisure travel. For longer distances, a nearby train station and bus system provide access to Europe's extensive rail network, though tickets can be pricey. Inexpensive short flights within the continent further enhance travel opportunities; for instance, round-trip tickets to Ireland for a running event cost less than a single domestic flight in the U.S.
Cultural Diversity and Community Integration
Residing in a city of about 60,000 people, where 20% of the population is foreign-born, Jessica appreciates the cultural and linguistic diversity. Instead of condemning immigration, the community embraces multiculturalism. Free language-learning sessions, known as taalcafés, are offered weekly at the local library, providing a space to practice Dutch and connect with other expats. These gatherings, led by Dutch volunteers, have helped Jessica and Manoj improve their language skills and forge friendships with individuals from around the world, sharing the experience of starting anew.
Navigating Challenges in Midlife
Relocating in their 40s presented unique hurdles, as they had already established a home, careers, and social circles in Milwaukee. However, Jessica believes that life offers only one chance, and avoiding risks may lead to regret over missed opportunities. She refuses to spend her later years worrying about healthcare, gun violence, or car expenses. The past year in the Netherlands has been an adventurous and transformative journey, affirming their decision to seek a better quality of life abroad.
