Many British people who had cherished a long-term dream of moving to Italy are now considering whether they should accelerate their plans and move before the end of the year.

Moving to Italy is a big decision and everybody's individual circumstances are different, so while we can't definitively answer the question 'should I move before December or can I wait until next year?' here are some of the things to bear in mind from what we know so far.

Residency

Before – When asked what are the advantages of moving before the end of the year there is a two-word answer – Withdrawal Agreement.

The Brexit Withdrawal Agreement covers everyone who is legally resident in Italy by December 31st 2020, which is when the transition period ends.

The agreement protects the rights of UK citizens in the EU (and vice versa) and broadly gives guarantees that people already resident can stay.

Brits in Italy are still being urged to to apply for a new residency document intended to help prove your rights, though there are concerns that it doesn't help, but the conditions under which you apply are in most respects the same as for EU citizens.

The Agreement doesn't cover everything and there are some caveats, but it does give a lot of protections.

Click here for full details of what the Withdrawal Agreement says and who it covers.

Two important things about the agreement – if you are already here by December 31st it covers you for however long you choose to stay in Italy and it is a legally binding international agreement. So even if the UK and the EU fail to agree a trade deal, the protections of the Withdrawal Agreement remain in place.

After – exactly what the deal will be for people who want to move to Italy in 2021 or after will be we don't know, it's one of the many things still to be agreed.

At this stage it seems most likely that British citizens will be treated in a similar way to non-Europeans like Americans or Australians. For them moving is considerably more complicated and expensive, involving visa, proof of financial means (for some categories) and residency cards.

Healthcare

Before – If you are already resident in Italy or planning to become so by December, you are entitled to register with the Italian state healthcare system (SSN). Health insurance is a requirement for all foreign nationals resident in Italy, including EU citizens, though you can opt for private medical insurance instead.

If you do not meet certain requirements – for example having an employment contract or being the family member of an Italian citizen – you'll need to pay annually (around 380 euros in most cases).

Find more information on registering, speak to your comune's ASL office. The Italian Health Ministry also has a PDF guide to the healthcare system in English available here.

For pensioners: a scheme known as S1 allows British pensioners to register with the Italian system, while the British state continues to pick up the cost of their healthcare. As long as they are legally resident in Italy before the end of the year then pensioners will continue to be covered by the S1 scheme.

After – At present there is no agreement in place on reciprocal healthcare costs, so for at least the first part of your stay you would need private health insurance.

The UK government has suggested it does not intend to continue the S1 scheme for pensioners who move to Italy after December 31st.

This could leave pensioners reliant on private health insurance, which can be difficult to obtain or extremely expensive for people with long-term health conditions. 

The EHIC (European Health Insurance Card) which many Brits have relied on for emergency healthcare, cannot be issued by the UK government after December 31st.

Pensioners already resident here and covered by the S1 scheme can continue to use theirs for trips back to the UK.

People resident and registered under the Italian healthcare system can obtain an Italian-issued EHIC card (known as the Tessera Europea di Assicurazione Malattia) that will cover their trips to other EU countries. If you already have an Italian state health insurance card (Tessera Sanitaria) you very likely have the EHIC already, printed on the back. It looks like this.

You need to make sure your costs are covered for any healthcare that you need while you're here. Photo: AFP

Pensions 

Before – if you are a British pensioner resident in Italy before the end of the year you will continue to receive your pension and your pension will continue to be uprated – increased in line with inflation, wage growth or price increases – for the rest of your life.

If you have worked in more than one European country your pension contributions in all countries will be joined together and paid as a single amount from the country you are living in when you retire. This applies to anyone resident by December 31st, even if your retirement age is many years away.

After – neither of the two agreements above – uprating or joint pensions – are guaranteed to continue and at present there are no arrangements in place to allow them to continue.

Jobs

Before – At present in employment terms EU citizens are treated the same as Italian employees – and for people covered by the Withdrawal Agreement this should continue.

In practice we expect some confusion, particularly at smaller firms, around what procedures need to be followed for British employees, but in theory Brits covered by the Withdrawal Agreement should be able to take up new employment on the same basis they do now.

Job-hunting this year might be tricky however as Italy, like many other countries, is predicting a major recession due to the pandemic and months of lockdown.

After – Italian companies who are hiring a non-EU national who is moving to Italy to work need to jump through extra administrative hoops to justify why they are hiring a non-European. It's not an impossible task, but it does put non-Europeans at a disadvantage in the job market as most firms prefer to avoid the extra paperwork if they can find a similarly-qualified European candidate.

Again, we don't know exactly what residency requirements for Brits will be after 2021, but if they follow the current model for non-Europeans you will need a visa sponsored by an employer if you are coming here to work.

If you want to come and either set up your own business or work as a freelancer or contractor you could also need a visa and to provide proof of income or proof that your business plan is an economically viable idea.

Couples

If you still aren't sure whether to come now or later – couples do have the option of doing the move in stages.

If one partner makes the move before December 31st they will be covered by the Withdrawal Agreement and one of the rights it gives them is to be joined at a later date by a registered partner or spouse.

You will need to prove that your relationship began before December 31st but it is an option for couples where it is not possible for both partners to make the move in the next six months.

If you are a couple but are neither married nor in a civil partnership you will need to prove that you are in a 'durable relationship' and the Withdrawal Agreement states that countries must 'facilitate entry and residence' in accordance with their national legislation.