There's a lot of boilerplate in the filing, so yeah, it's pretty long. It's pretty mechanical though: you go down a checklist and make sure you've filed everything. I do have a pension fund whose existence I report as an asset. It's exempt from taxation, because the state-administered Danish pension system is specifically exempted in the Denmark–U.S. tax treaty, but I report it on form 8938 and through the FBAR as an account I have an interest in. Healthcare is a single-payer state system, so no accounts or insurances are involved. I do agree things could be simpler, but it's really not the most complex thing about living in another country.