From 2015[update], Andorra, Monaco and San Marino negotiated an association agreement with the EU. Andorra`s ambassador to Spain, Jaume Gaytén, said he hoped the agreement would include provisions that would make states associated with the Schengen agreement.  The EU has taken legal action against the UK in response to parts of the Internal Market Act that violate international law. Boris Johnson refused to overturn the withdrawal agreement law introduced in early September. Of the 27 EU Member States, 22 are participating in the Schengen area. Of the five EU Member States that are not part of the Schengen area, four – Bulgaria, Croatia, Cyprus and Romania – are legally required to join the territory in the future, while the other – Ireland – maintains an opt-out. The four member states of the European Free Trade Association (EFTA), Iceland, Liechtenstein, Norway and Switzerland, are not members of the EU, but have signed under the Schengen Agreement. Three European micro-states that are not members of the European Union, but which are enclaves or half-enclaves within an EU member state – Monaco, San Marino and Vatican City – are de facto part of the Schengen area. If you are travelling within the Schengen area as a UK citizen, you do not automatically need travel insurance if you apply for ETIAS or if you are travelling without a visa.
However, it is highly recommended, as the UK`s reciprocal agreements to allow British citizens to access free health care in the EU with a European health insurance card could be completed if no new deal is reached after Brexit. He stressed that the deadline for an agreement between the UK and the EU on 31 December was now almost impossible to meet. However, some third-country nationals are allowed to stay more than 90 days in the Schengen area without having to apply for a long-stay visa. For example, France does not require citizens of Andorra, Monaco, San Marino and Vatican City to apply for an extended residence visa.  In addition, Article 20, paragraph 2, of the Schengen Agreement continues to apply it „in exceptional circumstances“ and bilateral agreements concluded by some signatory states with other countries prior to the convention`s entry into force. For example, New Zealand nationals can stay for up to 90 days in each of the Schengen countries (Austria, Belgium, Czech Republic, Denmark, Finland, France, Germany, Greece, Iceland, Italy, Luxembourg, the Netherlands, Norway, Poland, Portugal, Spain, Sweden and Switzerland) which had already entered into bilateral visa-free agreements with the New Zealand government prior to the entry into force of the bilateral visa waiver agreement, without the need to apply for a long-term visa. but if you are travelling to other Schengen countries, the 90 days apply within 180 days.             The United Kingdom Coordination Group of the European Parliament recently drafted a resolution, in which a reciprocal agreement on visa-free travel between the two countries is required after the start of negotiations.