The ins and outs of living in Puerto Rico

Puerto Rico Healthcare

Puerto Rico healthcare is somewhat similar to what you would expect in the US. The differences are mainly on how insurance companies work and what you can expect from the care of physicians. I remember that the plans I had in the US were so that I had to pay a certain amount of money before the insurance started to cover the expenses, that’s not the case here, you just have to pay a small co-pay per visit or per medication, and the same goes for emergency room visits, of course that depends on the plan you have.

The truth is that the entire process and differences can become quite frustrating at times due to long wait times and the fact that you have to pay for more things than you should. I’ll explain all that in its appropriate section.

Follow the links below according to the category you are curious about, but in this page I will give you a general overview of how the whole thing works and what to generally expect.

Most popular health insurance companies in Puerto Rico and my experience with the one I have.

-Triple-S Salud

-Humana (coming soon)

Official details on how to find healthcare. (Choose Puerto Rico in the drop-down box)

-Insurance companies are generally good, in fact I feel they are MUCH better than what we had in the US when we lived there, not only are they much more affordable (especially if you have your insurance through your employer), but also because there is very little that insurance companies won’t cover, and that whole thing about pre-existing conditions, doesn’t exist here.

-Get ready to wait, and wait, make sure you sit and wait, but then you will receive excellent care. Whenever you see a doctor at his/her office, they schedule you a time,  but that means very little because they tend to do first come first serve anyway. So it is very common to wait for over an hour at the doctor’s waiting room (I’ve had to wait upwards of 4 hours, although rare, it is possible).

-Generally, doctors care. Either I have amazing luck, or this is just how it is, but I have not had a bad doctor here, and I actually have the personal cell phone number of some of the doctors (my veterinarian too).

-If you need blood drawn or any sort of laboratory testing, don’t expect to get any of that work done at the doctor’s office or building. You have to go to a specialized laboratory where they do all that testing, oh and expect to wait there too. On top of that, for some reason, the government makes you pay a “sello”, which is really a small fee for every test done. So even if your insurance company covers 100% of all lab work (like mine does), you still may have to pay a few cents (10-15 cents or so) for the “sello”, some labs absorb the small fee though.

-Expect to pay the medical visit BEFORE you visit the doctor, or before any sort of service for that matter. Your co-pay will have to be paid in most cases before you see the doctor, often times only cash is accepted.

-If you go to the emergency room or some sort of urgent care, expect to be called several times and be sent back to the waiting room. First call for paperwork and insurance information (sometimes you pay right there also), then they call you for triage (or to pay at another desk if you didn’t pay the first time), then they call you to go inside and wait in another smaller waiting room, and then you get to see the doctor.

-Expect the doctors to be bilingual, but not the receptionists or assistants. We are lucky that I speak Spanish, but that also means that I have to make every single doctor appointment for anyone in the family.

Back to the Homepage from Puerto Rico Healthcare. 


  1. Hi Jay,

    If a person leaves Puerto Rico to move to the States, when does their health care end? Do you have any documentation that shows this? Thanking you in advance for any assistance you may provide. I have a person in the states that may need to do a Life Event to add their spouse to their insurance.

    • Jay-Webmaster

      It really depends on who is providing the insurance and how long they are going to stay in the US. It is something to check with the company itself. But I’m sure it has a limit because otherwise everyone would buy insurance here and live in the US because health insurance here is way cheaper than the US.

  2. Hi Jay,
    I have a potential client for health insurance and wanted to see if the Multiplan ppo with freedom life is accepted in a majority of the island.
    Thank you and warmest regards

    • Jay-Webmaster

      Hello Edward,

      I’ve personally never heard of that insurance company, I can’t imagine for it to be accepted in many places. What doctors here will likely do is to charge them full price and then have the patient claim reimbursement to the insurance company with all the receipts given by the doctor.

  3. im planning a move to puetro rico and iam 43 worrying about losing 18000 yearly take home pay a year. i live in new york now. how would costs even out. i know the sale tax going to 16% twice the rate of here but said proprety tax is elimated. and worrying about cost of health insurance with dental. here i pay about 100 dollars a month for it. but how much more is it there in puertro rico. my copays are 200 for er 50 for doctor visit 75 for a specailist 100 copay for branded drugs . are copays about the same . main worry i have is meeting ends losing that much pay each year. i dont want to end up living in poority with a large cut in income. my income and health insurance main items keeping me in sucky cold climate of new york

    • Jay-Webmaster

      Well, $18k less per year is a chunk of change, and I would seriously think long and hard before I move here and have such a decrease in income. It depends on how important that income is to you. For health insurance I would suggest you call the local companies and ask for a quote, if you plan on paying completely out of pocket you can expect to pay around 200 per month with about $15 copay for doctor visits whether general practitioner or specialist, I’d think 50-100 for an ER visit and medicine is highly variable but I pay between nothing for some generics to $40 for the really expensive ones. Copays are generally less here than in the US. Also, unlike the US, Dental is considered part of medical healthcare so you don’t need 2 different plans, every plan by default includes dental. One thing to consider is to look into the plan from Auxilio Mutuo Hospital if you plan to stay in San Juan. They have a plan that is more affordable but you can only go to that hospital, which is not bad bc it is full with all kinds of specialists and medical offices, it is unlikely that you will need more that they have to offer.

      Sales tax 16%? I’m not aware of that, it’s 11.5% at the moment. There was a time that the local government wanted to eliminate income tax and only charge a Value Added Tax on purchases but that got shut down. That really would have helped the middle class tremendously, but you know, politics.

  4. Hi,
    I have a question regarding home health care. My elderly parents now live there and have humana.

    How can I get those services for them in PR? It’s been difficult getting this information. I’m in Florida.


    • Jay-Webmaster

      But have you tried calling Humana? They are normally pretty good at answering any questions you may have. They also have a list of providers, so they should be able to give you the names of people who do home care.

  5. Jay, my 26 year old daughter moved to Rincon, Puerto Rico and needs to get health insurance. Someone told her she needed an Puerto Rican ID to even apply? Is this correct?

    • Jay-Webmaster

      Hello Julie!

      That is not correct. In fact I have friends who have been living here for years and still have their US IDs! In one case I met a woman who lived here for 3 years and never got a Puerto Rican ID and the one she had was from SWEDEN! So no. That is not correct, at least not with the private insurers. If she wants state funded insurance then that may be a different story, she would need to prove residency in PR.

  6. Hi Jay we are moving to Puerto Rico in the new year. Must say your site and blog has been very helpful. Does Medicare work over there for insurance?

    • Jay-Webmaster

      Yes, Medicare works here.

      • Hi Jay
        Thanks for your wonderful information!
        My husband and I are thinking to retire in PR, my husband’s mother land. We will have 100% health benefit cover for life. I would like to know if one of us retire with a pension of 60,000 per year, how much % PR government will tax it?
        Thank you so much

        • Jay-Webmaster

          Hello Cleuza:

          Sorry for the delayed response.

          Unfortunately, taxes is one thing we do pay a lot of here, now I am not a tax accountant so you may want to check and see if you qualify to use the Form 1116 (Foreign income tax credit) for your federal taxes. I am employed here so I am able to use that tax credit for my federal taxes but I am not sure about those with a pension.

          Well, with a pension on $60k per year, assuming your actual taxable income after any deductions is still over $41,500 but less than $61,500 (obviously), your annual state tax contribution will be $3,430 plus 25% of the excess beyond $41,500. So for example if you have no deductions at all and the full $60,000 is taxable you would pay:

          $3,430 plus the 25% of the excess beyond $41,500 in this case $60,000 – $41,500 = $18,500 * 25% = $4,625
          $3,430 + $4,625 = $8,055

          You would pay a total of $8,055 in state income taxes each year with the current contribution tables.

          There was a strong push from the previous governor to impose a Value Aggregated Tax (VAT) of 16% like many other countries do, then make all couples that make a combined income of $80k or under to be tax exempt, but the measure was strongly opposed and blocked by the now governing party. Looks like we will have the current tax contribution tables for years to come.

          Click here for the current tax tables.

          Hope this helps,


          • Happy New Year Jay!
            Thank you so much for this great information. We love PR, after knowing it we will retire in Florida that we don’t pay tax and take vacations in PR, and still enjoy “La Isla Del Encanto.”
            Thank you,

          • Jay-Webmaster

            Sounds good! Just so you know though, I did have someone contact me some time ago who decided to move here from Florida because although there was no income tax the health insurance, car insurance and other services were much more expensive compared to PR. I always tell people that generally THINGS are more expensive here but SERVICES and INSURANCES are generally cheaper than the US. Now, will you save $8000 in medical services and insurances a year? I don’t know, but I just wanted you to be aware of that as well. Liability insurance for my car here costs only $200 per year and I pay just over $200 per month on health insurance and it literally covers everything, even genetic testing and all kinds of imaging with no co-pay, but that’s because it’s through my employer, it would be different if it’s done privately or through Medicare but generally, healthcare is much cheaper here.

            Enjoy your retirement and do all the things you’ve always wanted to do!

            Happy New Year!

          • Hi Jay,
            This is Cleuza again,
            My husband called the Departamento da Hacienda de Puerto Rico today and gave them the exact amount that between pensions and social security we will be making together $95,000 per year he explain to them that we will be retiring from New Jersey and are planning to move to Puerto Rico after retirement, so how much we will need to pay the government of Puerto Rico in tax from this money, and the guy told my husband that because we retired from USA and not from the Island we will not pay anything. Could you be able to verify for us how true is it.
            Or send me a name of an account in PR that we can ask this question.
            Thank you soooo much!

          • Jay-Webmaster

            Hello Cleuza,

            Well, I don’t know an accountant personally but I could probably ask around and send you an email with the contact info. Having said that, the Department of Hacienda are the official source of that type of information, it’s like calling the IRS for tax related questions. So if they told you that it better be true. In the meantime maybe you can call again and speak with a different representative and verify the information.

            I’ll send you the info of an accountant as soon as someone recommends me one.

            Take Care!

      • Hi Jay, just found this site, it’s great! We are both 70 & have been considering moving to the Caribbean, including PR.

        Been reading a lot on here, but haven’t seen answers to a couple questions.

        I’m inferring that our retirement income from Soc. Sec, Military retirement & VA disability, would be state tax exempt? Correct?

        The big problem is, wife is undergoing dialysis & will need a kidney transplant.

        Do you know or can you direct me to where I can find out, if PR has quality, transplant hospitals & what the availability/wait list times are for a transplant.

        We have Medicare, Tricare (military insurance, also, do you know if it is also accepted?) & I also have VA.

        Also, is the VA facility in San Juan any good? From my experience, VA hospitals can vary greatly – from excellent to, watch out, they will kill you!

        Thanks in advance for any help. You are provided a great service.


        • Jay-Webmaster

          Tax exemption would be depending on the state you get your income from. I am not an accountant but I have heard that it is tax exempt from those whose main income is from the sates, but I’m not sure on that.

          We have quality transplant hospitals and surgeons here. Centro medico in San Juan is packed with extremely talented surgeons, other hospitals are good too. Wait times for transplants depend on the priority list etc. which will vary in each case. But wait times for surgeries are usually very short, I’ve never had anyone tell me they’ve had to wait more than like a week, usually getting the surgery they need within 2 or 3 days.

          From what I understand, the VA in San Juan is good, but I am partly biased because my father was a doctor there. But, I also have a co-worker that goes to the VA all the time. Tricare insurance is accepted in some locations but not many.

          We have many dialysis centers here. We get calls from some of them at my work asking for the barometric pressure of the day, apparently something about pressure affecting the dialysis. But you should be fine here, I don’t see how anywhere else would be any different.

          • Thanks Jay! Will keep researching. If they don’t accept Tricare along with Medicare, then it will not work, as they are the “primary” & “secondary” insurances for the wife.

          • Jay-Webmaster

            Well some places do accept Tricare, I just don’t know all of the hospitals or medical facilities that do. I know there’s a medical facility called “Salus” in Guaynabo that does accept it, and I know many others do. Many of my friends are from the armed forces and they have Tricare, the thing is that just about all of them do go to Salus exclusively just because they know someone else who does go there and they have a wide range of specialists in that facility.

  7. Hi Jay,

    Firstly – thank you so much – your blog is an amazing wealth of real, helpful information. My husband and I (and cat) are US citizens who have been residing in London for the past 8 years. We (all three of us) are dont with urban life and looking to move to Vieques to start living one our our passions – snorkeling and sailing. From what i have read on your blog, you have had some experience with the healthcare system in Puerto Rico. While I am very grateful to not have to deal with Coeliac’s disease, I have been diagnosed with MS and before I jump into this new adventure with my family, I would be grateful for anything you could share about dealing with insurance with a pre-existing condition, the Affordable Healthcare Act and its application in Puerto Rico, etc – or even where to begin to look. We have been away for the whole of the Obama administration and trying to sort this out has become totally overwhelming.

    Thanks again for all of your thoughtful information and insights on this site – it really is amazing.

    All the best,

    • Jay-Webmaster

      Hello Sara!

      First of all let me tell you that Vieques is AMAZING! It’s very nice and quiet and it has beautiful beaches! Interestingly though, London is one place I wouldn’t mind moving to! LOL Oh well, we all have our things! LOL

      So, the healthcare system here. I don’t know how it compares to London’s but I assume it will not be as good. The system here is generally cheaper than the USA though, one of the reasons why I haven’t considered moving back. But, because it is cheaper, doctors don’t get paid as much and they book a lot of patients for one day so you normally have to wait hours to be seen even if you have an appointment, so expect to wait for 2-3 hours normally, sometimes more for the doctor to see you, having said that, the doctor will spend 30-45 minutes with you if he/she has to without making you feel rushed, they really do a lot of “doctoring” the whole person not just the disease.

      Pre-existing conditions was something I never heard about until I moved to the US back many years ago, it took me by surprise when I saw that in the US they wouldn’t cover Pre-existing conditions, that stuff has never been an issue here, I have not had any problems with that here, in fact, I switched insurance companies AFTER the Coeliac disease diagnosis and I had no issues, in fact, the new insurance company covered MORE tests and were encouraging of alternative treatments compared to the former insurance company (I had Triple-S but I now have Humana). I would be SHOCKED if they don’t cover pre-existing conditions, because it would be the very first time I hear about it here.

      If I were you, I’d contact both Triple-S and Humana and choose the one that fits your needs, generally Humana is cheaper but not everyone accepts it (even though really I have yet to find a doctor that doesn’t, I just have heard of some that don’t but all my doctors do take Humana), Triple-S is generally more expensive but they are accepted everywhere. Having said that, Humana has a presence in the US, so if you go to the US you “shouldn’t” have a problem, Triple-S is a bit more picky with traveling to the USA.

      Now I must say, Vieques does not have many options as far as doctors go. The specialists such as Neurologists will be in mainland Puerto Rico. So you will have to travel for doctor appointments.

      Although I am not nearly as familiar with MS as I am with Coeliac disease, a very close family relative of mine does have MS, and according to the University of Chicago about 10% of MS patients have Coeliac Disease. This could be because one of the symptoms of untreated Coeliac is the development of other auto-immune diseases such as MS, and because about 90% of Coeliacs don’t know they have it, it is very likely for them to develop things like MS, Rheumatoid Arthritis and others.

      I know it is none of my business but I have known a total of 5 people with MS and I have seen what it can do over time, and I have also seen people live for years without a single “episode” and without the disease progressing. I am sure you have read all kinds of stuff online, but just in case you haven’t, may I recommend Dr Greger’s He has a video on a 50-year study on MS that I would HIGHLY recommend, I know one person that did what Dr. Greger said and she has had only 1 episode in the past 8 years and none in the past 7 years, she also had to cut gluten out of her diet per the recommendation of her neurologist since apparently many of the MS patients respond better to treatment once they remove gluten.

      Anyway, I hope this helps, I apologize for intruding if I did, but I have seen both sides of MS those who follow what Dr. Greger suggests and those who don’t because “it’s not that easy”, and I want to at least give you the information just in case you hadn’t heard of it. You can also look at Dr. Fuhrman’s Auto-Immune success stories.

      Let me know if you need more help, I think you’ll be fine and you will be able to live in Vieques and follow your passion.

      Good Luck!

  8. Hi Jay,

    This is a great and helpful blog. My dad just recently moved to Isabela and now he is looking into health insurance. I am here in NY and have been reading up on triple – s and some other insurances, thing is I keep reading these insurances with Medicare or Medicaid contract. He is 60 and does not qualify for Medicare or Medicaid…. maybe I should just call the insurances with questions because reading it on line can be confusing and overwhelming.


    • Jay-Webmaster

      Hello Tya!

      Isabela is really nice!

      Yes, I always have to end up calling the insurance companies because their online info can be confusing! Just so you know, Triple-S is accepted everywhere, Humana is accepted almost everywhere but they are cheaper and just as good if not better, MCS is OK and accepted in many places but not as many as Humana.

      I’m glad to be able to help!!!

      Take Care!

  9. You have been very helpful in my relocation to Puerto Rico from Hawaii. I followed your advice and instructions from shipping to car registration to health insurance. I pick up my from the port in the morning. Wish me luck…. :). I arrived on June 23 Thank you

  10. I am so glad I found your website! My husband and I are considering purchasing a home in Puerto Rico, spending winters there, and back to Texas for the summer. The huge hiccup is my husbands health. He is a dialysis patient, and everything I have been finding online is very negative about the declining health care there.

    Could you possible give some insight? I have no idea where to begin searching for a home – don’t know what area offers great doctor’s and dialysis centers, or if we should even consider your beautiful island.

    Thank you so much for what you do.

    • Jay-Webmaster

      Hello Vicki,

      There are many many dialysis centers in PR. You shouldn’t have problems with privately owned centers. I’m not sure how bad the wait time is for those but I wouldn’t expect anything different than anywhere else, which is that you have to schedule things way in advance and appointment times are more of a suggestion than a reality. But, again, I’m not sure about the punctuality of dialysis center appointments but that’s how it is with most other things.

      Where to buy a house? It really depends on what you are looking for, there are pros and cons for every place. If you want the best of the best, my suggestion is to stay close to San Juan.

      Click here to access a site with dialysis centers in PR.

      Let me know if you have any more questions!!! Good Luck!

  11. I moved to Puerto Rico in March 2015 from Wisconsin with someone who is originally from here. I do not work so I received the health plan that is offered. It covers everything that I have ever had done. My problem is with the emergency rooms here. I have been to the Pavia hospital in Arecibo a few times and have been appalled. Most people that go there are there waiting for treatment or test results for at least one day. The hospital does not supply pillows or blankets, you are put either in the hallway or in a small room with another patient, and then you wait for hours just to be seen by someone. The bathrooms are very dirty, as is the whole emergency room. After our last visit there on March 19, 2016, we both got very sick with flu like symptoms. We are now just starting to feel better. I am now going to make it my mission to find out why the ER is so unorganized and try to change something. Patient care and comfort should be important in the ER and it is not. In the future we would seek care in the States.

    • Jay-Webmaster

      Hello Jan, I’m glad that you are able to receive the medical care coverage funded by the state, it is everyone’s right to have medical care. I am sorry you didn’t like Pavía in Arecibo.

      However, I must stress that some people may read your comment and think that everywhere in PR the situation is as you described, when it is not. It may be the case at the Pavía hospital in Arecibo, but it certainly hasn’t been my experience in either Pavía in Santurce, Auxilio Mutuo in San Juan, Presby Horpital in Condado, Centro Medico in San Juan, or even the municipal hospital in Guaynabo. I have been to all those hospitals and as recent as 2 days ago I went to the Auxilio Mutuo ER and received excellent care and actually the quickest ER visit I have ever had. Granted, all the other visits have been long, averaging about 8 hours each, but this last one was less than 3 hours from beginning to end, so that’s not bad. I’ve been to ER’s in the states with similar 6-8 hr wait times, so to me, it didn’t seem that bad anyway. In fact, I spoke to my doctor about one of my last visits to the ER and he explained to me that in some cases they HAVE to keep me waiting to see how my symptoms progress after a certain medication so that they don’t “jump the gun” in some cases.

      BTW Centro Medico is really the ugliest hospital of the ones I mentioned but BY FAR the best and most qualified group of doctors I have ever encountered! That is the university hospital and it has everything you need with very competent doctors, “no rock left unturned”. I mean, you will wait there too, and the hospital is old and underfunded, but if you have a real crisis emergency, Centro Medico is the place to go hands down!

      As an example, a couple of years ago, a friend of mine went to the ER for what she thought was appendicitis, the pain was so unbearable the doctors were “sure” it was appendicitis. They went with the quick surgery because they didn’t have time to go through the tests. Guess what, it wasn’t appendicitis; it was an ovarian cyst that had ruptured. OOPS!

      As recent as about a month ago I went to the ER precisely for possible appendicitis to the Pavía in Santurce. They took FOREVER, but they did the proper imaging, medication, and observation, that’s when I called my doctor and he told me that I have to wait to see if the meds help and what the imaging says. Sure enough, the imaging came back, it wasn’t appendicitis. So, I know waiting sucks, but it is not always bad to wait unless you are in a life or death situation, in which cases you will have top priority.

      As far as waiting in a shared room or in a hallway, I don’t know, I guess when I was in a really bad car accident several years back in Florida I was ambulanced to the hospital and then I waited in a hallway while in the emergency bed, so once again I didn’t think that was so out of the ordinary. Shared room? Yes, that’s normal too, I’ve only seen people in single rooms when either there are no shared rooms available or you pay extra for it, and that too has been my experience here in PR as well as the US.

      So you got sick after visiting the ER? You realized you went to a room packed full of sick people right? That is also common and normal. Think about it, there are dozens of people there who are sick enough to make themselves go through the hassle of visiting the ER, there are germs and bacteria all over the place! I wouldn’t expect anything else; if you go to the ER you have to take extra precautions because you CAN get sick!

      Cleanliness, there I don’t know, I’ve never been to a hospital with dirty bathrooms, so it might be something Pavía in Arecibo has to work on.

      Pillows and blankets, most of the hospitals have basic blankets and pillows, if you get admitted and have to spend the night then yes you should bring warm blankets and your pillow.

      Keep in mind that the cost of medical and hospital care here is only a fraction of that in the US, so there will be some things that you have to bring from home, but of course, if you prefer to have the towels and pillows to be provided then you can go to the US, nothing wrong with that, but that’ll be an expensive towel and pillow!

      The fact that you’ve had a bad experience at the Pavía Hospital in Arecibo does not mean that all ER’s are bad here. It just means that THAT ER leaves something to be desired. I would encourage you to look into why things are not to your liking and I would love to hear from it. Maybe you (or us) could put the word out and something could be done about it.

      Having said all if this, yes, the hospitals I’ve been in the US have been for the most part “prettier”, but the quality of doctors and care was not any better, in fact when I took my wife to the ER once in the US she was in tears because of how badly she was treated, while here in PR after giving birth she was very tired and hormonal (understandably so) and the nurses did absolutely everything they could to make her feel better, which they succeeded. But yes, we had to bring our blankets and pillows and buy a care kit with like a disposable bedpan and other stuff, which cost $12 while all that was provided when we had our first baby in the US.

      HOWEVER, our hospital bill for baby delivery in the US was almost $70,000! Of which we paid $5k deductible. Hospital bill for baby delivery here in PR (including extra fee for private room) almost $5,000 of which we paid $225 which included the hospital insurance deductible and the private room for the stay.

      So, I also encourage you to maybe visit a different hospital if you have to go to the ER, or of course go to the US. I personally have had mostly good experiences here and at a much more affordable price.

      Please check out why Pavía in Arecibo has those shortcomings and let me know what you find. They are probably understaffed or something, which is also common for hospitals now a days, here and in the US alike.

      Take Care!

      • Thanks for setting it straight. Hospitals here in the US are not so perfect as some make them out to be and the cost here is very high as well . Medications can be out of reach for many people here as well. Book keeping with my provider has been rather poor and had to get it corrected several times. I am grateful I have what I have in any case. May you all keep well.

        • Jay-Webmaster

          Hello Alf,

          Well it helps that I have had hospital experiences both here in PR and in the US, plus many of my family members are doctors in local and US hospitals. I have had good experiences and bad experiences both here and in the US, the reasons vary widely, but in terms of affordability, I know for a fact that I wouldn’t be able to afford medical care in the US as much as I can here in PR. Affordability may be an issue for some people but not for others, I know it is an issue for me, so I appreciate that I can get care at a more affordable rate.

  12. My wife and I have been contemplating moving to PR for some time now. We are both diaspora and thinking about bring the family back home. I want to start by thanking you, your website is tremendous and obviously helps many people in search for information about moving.

    My question is about the health insurance pertaining to children. I currently live in Mass and children are pretty much covered by the State automatically without having to pay out-of-pocket. This is based by income and the margin is set pretty high for those that qualify for their children to be covered by the state.

    Do they have something similar in PR? …or do we just have to find a family plan that I would pay for that would cover all of us.

    • Jay-Webmaster

      Thank you Miguel for the nice words! I sure love to help others as best I can!

      There are several insurance plans by the private companies which adjust to your budget. If you can’t afford insurance you may apply for insurance plans that are subsidized by the state, that’s what one of my family members has to do. There are individual plans and family plans. You should look into Triple-S and Humana, those are the ones I like the most, they both have their good things and bad things, I prefer Humana but it is not accepted everywhere, Triple-S is accepted everywhere.

      If I were you I’d call Triple-S and Humana and ask for a quote based on your individual situation. This is a major expense and one that should be considered before you make the move. Children are not automatically covered by the state here, you would need to get insurance, either by a private company or the state if your income is low enough to qualify for the state subsidized insurance.

      Take Care!

  13. I have a question. I’m visiting PR for a week, but thought I’d take care of a long postponed simple medical visits such as a chiro visit or acupuncturist. While my mainland insurance (United Health Care) would cover these procedures, they would only do so as “out of network,” and only after my $800 deductible was satisfied. I’m thinking that the insurance would likely cover nothing since either procedure would be a fraction of my $800 deductible. I could try submitting any office visits to my insurance to see if they covered even part of it. You speak of PR procedures being much less expensive than comparable mainland ones. Do you by chance know an average office visit rate for an acupuncturist or a chiropractor? Thank you!

    • Jay-Webmaster

      Hello Sean,

      I have not had the pleasure of seeing an acupuncturist, but the chiropractor I go to would charge about $40 per session if you are paying out of pocket, I would think you’d get charged anywhere between $40-$65 per chiropractic visit depending on the location. I don’t know how that compares to the US, but when I was talking about it being much less expensive I was talking about physician visits such as a general practitioner or similar. For example, my GP here would charge $35 per visit if you have no insurance while my GP in the states used to charge $150 per visit! Not to mention that I had a 7 minute limit in the US, while here I could be with the doctor for over half an hour without a problem.

      Not only that, I used to pay about $350 per month (several years ago) for a joke of an insurance coverage that didn’t include dental in the US with tons of co-pays and deductibles, while here I pay about $180 per month for a rather comprehensive coverage which includes dental and no deductible to satisfy. So it is much more affordable here, for me at least.

  14. Jay,

    I work for the Commonwealth of Pennsylvania and while I am 4 years away from retirement and age 65 with the ability to retire and take my benefits into retirement. I am chomping at the bit to retire and get out of here to the island where I have extended family and my father is buried there.

    My dilemma is this, if I leave I have no benefits and I will be required to purchase healthcare benefits and if I wait until I am 65 in 4 more years to take the benefits into retirement, I am eligible for Medicare at age 65 and then those state benefits would only be a supplement anyhow. I have heard you say and others have said to me that healthcare insurance is cheaper in Puerto Rico than it is in the mainland. I want to break camp and live for the day and not have to wait four more years to enjoy my retirement, which incidentally will be my second retirement.

    • Jay-Webmaster


      That is a tough choice. Yes, healthcare is cheaper here but it’s not cheap anyway, does that make sense? Maybe I should say that it is less expensive than the US. Actually, just yesterday I was looking at the healthcare coverage I get and how much I pay here in PR. If I wanted the exact same coverage with the same company in the state of Florida (I just happen to look at Florida for no good reason) I would have to pay $560 MORE PER MONTH, than I do now! But I do have a pretty comprehensive health insurance plan. There are cheaper plans in the US but they won’t cover nearly as much and the co-pays would be much higher.

      BUT It’s not to say that the coverage in itself is cheap.

      As far as medicare, it was said in the news a few days ago that finally PR is getting equal treatment and coverage than the US. So medicare coverage here in PR should now be the same as the US.

      If I were you, I’d call the insurance companies, I recommend Humana or Triple-S. Get quotes on coverage and prices and see if that’s something you can manage. Also, there are some hospitals like Auxilio Mutuo who offer health insurance but only for the services they provide at their hospital. I mean they have everything there and it is a large hospital, but you are limited to their medical offices and hospital.

      So shop around and see if you could manage to come here now and not wait 4 more years! But call the insurance companies, their websites are hard to understand sometimes.

      Take Care!!!


  15. Thank you Jay. I do want to live in the San Juan area. Will email you when I’m there – am so excited!

  16. Hi Jay, I am planning on moving to P.R. soon and have Medicare A & B. Can I keep using this same Medicare and does Medicare pay only 80% in Puerto Rico too?

    • Jay-Webmaster

      Hello Eve!

      As far as I know, the Medicare is the same. Medicare considers Puerto Rico as part of the US. There are private plans locally that supplement Medicare if you wish to look into that. Costs of Medical care here are usually lower than in the US.

      • Thank you Jay. Am trying to get all the information I can on my beautiful island. Born in San Juan and raised in New York and now my island is calling. Just hope I can move there soon and see the barrio I lived in as a little girl. Oh, why didn’t I stay there when I went in the seventies? Was to move in 1999 and my trip was interrupted (long story). Lord, grant me my wish and lifelong dream.

        • Jay-Webmaster


          I really hope you get to move! This is actually a very common tale, a lot of people leave the island only to return, some return sooner than others but many of them return to the warmth of the weather and the people. I really hope you get to move back.

          Again regarding to Medicare, I found this document that may be useful to you. It has some information and phone numbers to contact for more detailed questions.

          Click Here for the Medicare Document

          Best of luck!


          • Thank you so much Jay. It’s been my lifelong dream and many times I wonder “how can I have lived here all my life when I don’t like the cold and have my beautiful island?” My heart aches for my island. One of my brothers who was born and raised in New York is moving back next month and surely with God’s help I will be next. It is time to stop wishing and start being proactive. Love my country and my people.

          • Jay-Webmaster

            I wish you the best!

          • The only thing that concerns me is the medical profession. You hear these stories of outdated equipment, x-ray machines not working, etc. My dad was in the Alejandro Otero Lopez Hospital in Manati for cancer in the year 2000. He wasn’t receiving good care and my sister decided to take him to Florida where he received good care and unfortunately died there when he always wanted to die in his country. This is a bit of a concern for me.

          • Jay-Webmaster

            Well, honestly I’ve never had an issue with the doctors here or anything relating to the hospitals. However I’ve only been to hospitals in the San Juan area such as Centro Medico, Presby, San Pablo in Bayamón, Pavía, and Auxilio Mutuo. So I can say that any of those hospitals are good, in fact I saw a man get “resuscitated” at Presby! It was an unbelievable experience! I couldn’t believe what I was watching! I was in AWE!

            Anyway, if you are to stay in the San Juan area you should be fine, I’m sure hospitals elsewhere are good too. If you are truly worried, the best place really is the University Hospital at Centro Medico, but the others in the San Juan metro will be good. And again, I’m sure there are some good hospitals outside of the metro, I just haven’t had experience with them and can’t vouch for them.

  17. My wife and are looking to move to the Isabela area and are looking into the health care coverage. I am 60 and my wife is 57 we both are in good health. We probably won’t be working there at least for a while. Any help you can give me I would appreciate. We would want a high deductible to get the best rate.

  18. Hi Jay,
    I m currently in California and having Healthnet (HMO) through the Obamacare market place. I only pay about $31 a month with a $3 copay for Office Visit. I will move to PR in another month for medical school. Please give me your opinion on what should I do regarding my insurance. Should I just keep my current plan in CA so that I during my break I can just go home and use it? Or just cancel it completly and buy insurance in PR. Or should I wait until the next open enrollment to change to BCBS PPO so I can use it bot in the US and PR? I will be in PR for four years for medical school and move back to the states after. I will be coming home for breaks and summer. And honestly because I pay so lityle for my ins in the US with great coverages, I feel such a waste for me to cancel the plan I currently have in California. Please give me your thoughts and ideas, plus how much normall do you think I would pay monthly if I were to purchase ins in PR? Being a fulltime medical student with no income . The school I will attend does not offer health insurance. The school will have ins company sale ins to us during our orientation. Thank you so much for your help….

    • Jay-Webmaster

      Hello Tawnie!

      First of all congratulations on being accepted in Medical School here! Although I don’t know which med school you are going to, if by chance you are going to UPR Med Sciences, you will be getting a top notch education! I can’t speak for the other schools but I’m sure they are all good and much cheaper than many schools in the states.

      If I were you I would wait until the orientation to see what they have to offer and compare side by side. I am not sure if the Obamacare insurance is accepted here because it is not available here for our residents in the first place since health insurance is cheaper here and Obamacare would have made it much more expensive, especially for low income families and individuals. I would think you can use it though, especially at a hospital or urgent care.

      What I did see happen though is that several private companies adjusted their prices and plans to be more like Obamacare, with the Bronze, Silver, Gold, Platinum plans covering a percentage of the costs but what I’m not sure is if the cost of what you pay for the insurance is covered based on low income because these are private companies. You may be better off with a PR-State funded plan (Mi-Salud, use Google Chrome to translate), check if you qualify, check with the private companies selling at orientation, then make your decision. I do know that Humana works in the US, Triple-S does as well but they have more restrictions.

      Also, check PR Health Exchange, you can compare plans there. For more specific questions like coverage in the US, you may wish to give them a call.

      But again, I would wait until you check with the local companies here and see which ones meet your specific needs.

      Best of luck!

  19. Hi Jay,
    This is the best site I have found for making a move to PR, really thorough info thanks! I am moving to the Condado or Ocean Park area in mid August of this year. I work for a California based company and will be able to retain my job while living there. My spouse will be attending grad school there for about 3 years, this is reason for the move. My question is, my employer offers an Out of Area medical insurance (basically out of network prices around 80% company reimbursement) in PR. I am trying to figure out if it makes more sense to opt out of my company provided medical/dental and just buy private insurance on the island? I know you have lived stateside and in PR and from what I have read had to deal with both scenarios from a medical insurance perspective. Any advice?

    • Jay-Webmaster

      Hello Carla! I’m so happy you have found this site helpful! That’s the whole point! =)

      Well, as far as healthcare there are a few things to consider, but at first glance with me not knowing all of the details of your coverage, I would stay with the insurance package you have, assuming you pay in very little to the insurance package from your paycheck, this is why.

      -Health insurance here is not that expensive and healthcare in general is not that expensive either when compared to other places. I’ll give you a real life example, in the states, the out of pocket expense for my child’s pediatrician was $125 with a 7 minute time limit; here in PR my pediatrician charges $35 with no time limit (and I have been at her office with her for as much as an hour, she makes sure all of our questions and concerns are taken care of). Another example, a friend of mine had an MRI of his head done recently in Texas, he had to pay $1200 as a co-pay; I had an MRI of my head done recently as well, I paid NOTHING out of pocket. We both work for the same company and we both have the same plan, but because it is so much cheaper here, the insurance covered it all, in fact if I had to pay the MRI out of pocket, it would have been a little over $600.

      -Private insurance plans here generally don’t pay 100% of the cost. So if you decide to get you own insurance here, you may have to pay a certain amount of money out of pocket anyway! The questions is, how much do you pay per month for your company’s insurance compared to what you would pay here with the same coverage?

      -Will you travel back to the states to visit during that time? Because the cost of medical services are so much more than here, local insurance companies generally charge a premium or cover less of a percentage for services received in the US, so if you go visit the US and something happens, you may have a nice big bill to pay.

      -Reimbursement can be a hassle! I remember having to apply for reimbursement when I was in the states, it was awful! They had a million reasons to deny my reimbursement! From the fact that they simply didn’t think I needed those services to the fact that I had forgotten to send a copy of all of my medical records! (I still don’t know why they needed all of my medical records for reimbursement of something totally unrelated) So, make sure you know exactly how to “bill” your insurance company in the states so that they reimburse you! Oh and the receipts and description of medical services here may be in Spanish, so make sure you ask for it in English if at all possible.

      So my advice would be to look at the private options and see how much you pay per month for a private plan locally compared to what you pay for your current plan. Also, the coverage, check the coverage!

      If you decide to keep the plan you have, have some money set aside for medical costs, such as an HSA account or some other form of emergency fund.

      Check with Triple-S and Humana, maybe MCS. Call them and ask them for plans that meet your specific needs!

      Hope this helps! Take Care!!!

  20. Are there any prosthetic companies in PR? What insurance is available in PR? I have a prosthetic and will needed to have it adjusted in the near future.

  21. Hello Jay! I am extremely happy to have found this blog. You give very detailed and helpful answers and for that I must commend you!
    I have always considered moving to Puerto Rico. However, my mother has a home health aide through a healthcare company here in the U.S. She would like to be able to receive care in the comfort of her own home. Do insurances cover in home health care and skilled nursing visits in Puerto Rico? Is it as big of a business here as it is back in the U.S? I would like for her to continue to receive in home care because the last thing I want her to do is go to a nursing home. Can you give me more information on this or can you lead me to someone who can? Thank you

    • Jay-Webmaster

      Hello Alex! Thank you for the nice words!

      Well, first of all I do know for a fact that we do have such services available, what I don’t know is if it is paid for by insurance. I know you wouldn’t want to send your mother to a nursing home, and interestingly enough, nursing homes here are not as common as they are in the US. I mean we have them, but not as many as you would expect per capita. If I were you I’d call the insurance companies and check if they cover it, also, I would call companies that hire the care givers that go to homes and ask them if they work with any insurance companies.

      One company I found is Care Givers de Puerto Rico, click for their website.

      Contact Triple-S, Humana, and MCS and check if they pay for any of those services.

      Let me know what you find!

      BTW, I recently uploaded a forum! It’s starting at the moment but maybe you can post something and help out a building community!

      Take Care!

  22. Hello! I am moving to PR for a few months I called my ins in the US and I was told it would be out of network coverage, should I get ins in PR while I am there and keep the one I have here for my return?

    • Jay-Webmaster

      Hello Nancy!

      Well how long will you stay here? Will it be too expensive for you to get insurance once again when you move back? Why have the extra expense of 2 insurance companies?

      • I will be there for few months don’t know for sure yet but maybe 3. Yes that is what I am struggling with having 2 but I will be traveling back and forth and I don’t want to be in a situation without coverage in case I need it. As you know ins is more expensive in the US and I already met my ded so I didn’t want to start again and I was not sure if I would get penalized for not “having” ins for some time with the new law in the US. Thanks for the quick response.

        • Jay-Webmaster

          Hmm that’s an interesting question. I’m actually surprised that your insurance won’t cover the services here considering that the costs are a fraction of what they cost in the US. I believe there are plans out there for temporary coverage. That’s what I would get if I had no other option.

          But your insurance not cover anything at all if it is outside of their “Network”?

  23. Hello, very good information! Do you know what the long term care is like? My mother had a stroke and is need of long term care, she is receiving medicare, but it doesnt seem to cover and she doesnt qualify for medicaid in the states.

  24. By chance does US Medicare operate in PR ? My girlfriend & I are considering retiring there – both well over 65 … and curious about medical coverage. I notice that many Central American insurance companies won’t cover after 65 unless you had it before.

    • Jay-Webmaster

      Hello Ed,

      As far as I know YES. In fact just the other day I asked my primary physician out of all the insurance companies he accepts, which one is the best one to work with and his answer was “Medicare”.

      Plus I keep seeing insurance coverage to supplement Medicare, so I’m thinking you should be covered.

      I’ll ask my physician more explicitly when I see him next but I really think you should be covered.

      Take Care

  25. Is puerto rico retirement friendly? Would medicate be sufficient or do i need to subsidize? Is there a specific place for retirement living on the island?

    • Jay-Webmaster

      Well, honestly it really depends on what your budget is. Plus it also depends on whether you would have to pay any state taxes with your income. Right now a new tax law is being proposed where most people would be tax exempt up to a certain amount in income tax, but then the “sales and services” tax known as “IVA” will be up to 16%, which is quite a bit.

      Having said that, we have a LOT of retired people move here. There is no specific place to retire but the city of Rincón (Northwest PR) is a very popular destination for those who decide to retire in PR.

      Most people do supplement their insurance, check the main companies (Humana, Triple-S, MCS) and see if any of their plans is worth it.

      Good Luck!

  26. Hi there! Your website is great and super informative! My husband and I are moving to Puerto Rico for his job but I am hoping to keep my job in the US and just work from the island… Do you know if my US healthcare (Blue Cross) will work at hospitals and doctors offices in PR?

    • Jay-Webmaster

      Hello Megan!

      Well, your insurance *SHOULD* work here, especially when our biggest insurance company, Triple-S, is actually blue cross blue shield. The only way to really make sure though is to call them and to see if they cover services in Puerto Rico.

      However, if by chance your husband gets health insurance through his employer, I would look into joining his plan because the plans here tend to be cheaper and have more coverage than the plans in the US, at least that was our experience when we moved here; we went from absolutely hating insurance companies to loving them as soon as we moved here. If your husband however is self employed and you need to find your own private insurance then maybe what you already have may be a better option.

      In terms of hospital care, I would be SHOCKED if your insurance didn’t cover you, the same with doctors. What some private doctor offices do is that you pay the visit in full and then give you a receipt with everything you need to ask for reimbursement from your insurance company. I have had friends from the US come to visit and need to see doctors and hospitals and never ever had a problem. So I really don’t think you’ll have a problem, but it doesn’t hurt to call them and make sure.

      When will you be moving here! Please let me know if you need any help! Moving here may be a challenge for some, so feel free to ask for help if you need it!

      Take Care!

  27. Coming from PR to the US a couple of years back I have been shocked on how much more expensive it is in the US. I’ve never had an issue in PR, always paid my copays or coinsurance, never had to fight with the insurance about why they didn’t covered something and never saw an EoB.

    The wait time issue is true specially if you go to the emergency room, sometimes I had to wait for 4 hours. But keep in mind that because the cost are so low, $50 for an emg room visit, everybody goes there, so typically they are overwhelmed, in contrast to the US were they know they are going to be hit with a bill of a couple of thousand dollars.

    I was extremely happy when they passed the healthcare law, although it would have been better with the public option instead of the exchanges.

    • Jay-Webmaster

      In all honesty, there was very little I liked about the Healthcare system in the US when I lived up there. I had constant fights with the insurance companies and the prices were outrageous. I’m ok here in PR waiting to see a doctor a few minutes or even a few hours for a much cheaper price and actually a much better bedside manner. That’s just me though, some people would pay the outrageous prices for a speedy (though not necessarily better) service.

      • I have been reading your comments here and they are very interesting. I am considering moving to PR from Mexico, where I now live after retiring from the USA. My reasons for moving from Mexico are medical, simply. I am looking for an alternative to living here in Mexico, but to a place where I think the medical will be better. Affordable is not my concern–my concern is quality of service. I always great medical in the USA when I lived there, and now that I am getting older, I do not want to return to the USA to live, BUT my healthcare is very important wherever I choose to live. So, can you advise me on the differences in healthcare in PR and maybe here in Mexico?? I realice this is a precarious question, but it is one important to me. Thanks, Dario

        • Jay-Webmaster

          Hello Dario!

          Well, unfortunately I have never experienced the medical system in Mexico so I would not be able to provide a fair assessment or comparison. =(

          The medical system here is similar to that of the US but it has some key differences. Now I will be generalizing, what I will describe will not always be the case and there are exceptions to the rule.

          My experience was that the medical system in the US was much more expensive (I know that is not your concern) but also a lot less personal. I was always treated like a patient, not a person if that makes any sense. The hospitals were pretty and clean and for the most part everything moved as scheduled.

          Puerto Rico is not like that, at least not usually. My experience here has been that doctors here are much more personable, they do a lot more “doctoring” and they tend to care for the person first, kind of “how are you doing? No really, tell me how are YOU doing?” sort of thing. I have my doctor’s personal number and I have been told many times to not hesitate to call him at any time, my parents also had my pediatrician’s home number, this not always the case with everyone, but it has been the case throughout my life here as a kid and as an adult. Interestingly, my dog’s veterinarian is the same way, I too have his number.

          Wait times here are a bit ridiculous at times. Things do not run as scheduled here. If you go to the ER, expect to wait and wait, same for private doctor’s offices. The hospitals here are usually not as pretty as the ones I’ve been to in the US. But the care I’ve gotten from doctors here has been very good.

          I personally don’t have any reason to think that the medical care here is lacking in anything. Doctors here are highly qualified and competent, the facilities may not be as pretty and the wait time flat out sucks at times but other than that I think it’s good. I would say it’s kind of like the care in the US with normally very personable staff and less costly.

          I suppose you can compare that with how you compare the care in the US and Mexico. Lately we’ve been getting a lot of “Medical tourism” which I think is odd, but I guess this is not a new thing.

  28. I moved to PR in part to escape Obamacare. The plans here in Spanish are confusing to me. Im looking for a basic plan, as a guy, without maternity care. Guys dont have babies so I dont need that or the extra cost for it. I was also disappointed to see that PR doesnt offer ANY HSA/Health Savings Account compatible insurance plans. At least I couldnt find any.

    On the Humana site, I couldnt make sense of it, as to where to go to get the rates.
    Where do I go to get rate quotes?

    • Jay-Webmaster


      Although I honestly forgot how to get one, however there is an HSA plan that you can enroll. I did have one in the states and I almost got one here, but medical costs here are so low compared to the states that I didn’t think it was worth it. I do know someone who has one though, I’ll ask him and then let you know.

      The Humana site is quirky and I don’t quite understand it myself, however Humana is mainly for Federal employees, they no longer have medical plans for individuals in PR.
      Triple-S is the “best” choice for individuals.

      But you can take a look at MCS:

      If you want quotes for Triple-S, access:

      Use Google Chrome to translate the pages to English.

  29. Thanks so much for providing so much information about what to expect in PR! My husband and I are considering moving there for a job opportunity. I am very apprehensive about it because I just don’t know what to expect. We have a little girl who just turned one. Can you give me any information on what it’s like to live in PR with little kids? Do they have much in the community that caters to young families? I am hoping for an experience where I can feel safe taking her places and doing fun things while my husband is at work.
    Also, can I expect to meet other mom’s in my situation who have small kids as well? Do you have any recommendations of where to go to meet them?

    The other worry I have is having more kids while in PR. Do you have any information on whether its a good experience having a baby in PR hospitals?

    Thank you!

    • Jay-Webmaster

      Robyn thank you so much for reaching out to us. We were in a very similar situation when we moved here, we also had a 1 year old and we moved because of a job, we also had another baby while living here. So we know first hand what it is like to be in your situation. Please read this in its entirety, we may be able to give you a good idea of what to expect.

      Living in PR with kids is just like everywhere else, except that people here love kids and they will not hesitate to make smiley faces to your kid or try to make your kid smile. I remember in the states, while at the grocery store people would try to pretend they were not looking at my baby and then look through the corner of the eye. It is different here, people love babies but pregnant women don’t get as much attention as they do in the states, it’s different like that.

      As far as community that caters to young families, well, not really. I’m not exactly sure what you mean by that but the truth is that most people rely a lot on their family members for help, but in our case, probably similar to yours, we are defending ourselves with what we have, with little to no familial support.

      There are safe places where you can take your kid and do fun things. There are places like Little Gym or Romp and Roll where you can take your child and your child can play and have fun. However these 2 places are in the municipality of Guaynabo, I’m not sure where you plan in living, but regardless, you will likely find a place you can go to, I just really liked those 2 places with my babies.

      Other moms in the same situation? Well it really depends on what kind of job you have and where you will be living in. For example if you are military and you will live on base then yes you will meet other moms in the same situation, similar with coast guard living in the coast guard living complex. If you are moving because of any other job, you will have to just get out there and look, your husband may have a co-worker who’s wife is in the same situation, however don’t be afraid to meet the locals, they are really nice people, especially to people from the states. You may meet moms of young children in the places I mentioned above where kids play or really just about anywhere, my wife met one of her best friends here in a doctor’s waiting room! She is a local and she was the one who initiated the conversation, but nevertheless, you can meet people anywhere.

      Having kids in Puerto Rico is different than the US, from the prenatal care, to the delivery, to the registering of the child in the public records. It is different but not bad, and in some ways it is better here, in fact it was a nightmare for us, particularly me, when we had our baby in the states, however over here, although not all of it made sense, it was much easier, and cheaper.

      Ironically enough, my wife just posted her first blog entry in the new “Women’s Corner” section of the website! The post was precisely about prenatal care in Puerto Rico and she is working on writing about her actual experience rather than just the facts. So please go take a look at the Prenatal Care in Puerto Rico versus the US blog post.

      If you want more details please send me an email at the webmaster account and either I or my wife will answer. Although our kids are a bit older now, we were in your situation and we do know what you will be going through.

      I must tell you that it will be different, so expect to not understand many things because they will make no sense, only those who are not uptight are the ones who decide to stay for longer. We are more likely to move to a different country than back to the US, that’s how much we like it here now.

      Send us an email if you want to talk specifics, we will do everything we can to help you out. Oh and please do check that blog post on prenatal care.

      Hope to hear from you soon!

      • I’m so glad I have come across your blog!
        It’s very informative and you are so friendly!
        We are planning a move to PR in May, and we currently pay $1300 monthly for four of us (my husband and I plus a 7 and 9 yr. old, all with zero health problems, zero medications) with HealthNet.
        We are self employed, and that is the best deal we could find that had low deductibles in case we ever actually need the coverage.
        I don’t show they have ANY covered providers in PR, so I am worried.
        Do you feel that amount is cheaper or more expensive than what you’ve seen/what you have?
        Thank you for sharing.

        • Jay-Webmaster

          Hello Jamie:

          Well $1300 for health insurance seems quite outrageous. However, I don’t know how low your deductibles and co-pays are. You have a few options, you can look at the Triple-S plans for families, they have the “bronze-silver-gold” plans going on now, which for a family of 4 you should be able to get a decent plan for about $500, maybe getting to $600 depending on your age. Same goes for a company called MCS, although their website doesn’t have a “Choose your plan” section, they just have a description and a “Call Us” prompt for a quote. I’d call them and check the options. If they are both very similar, I’d go with Triple-S because it is the most commonly used plan and just about everyone accepts it.

          These are their links:

          There is also a plan by a hospital called Auxilio Mutuo in San Juan, it’s a pretty big hospital, full with dental and their own pediatrics ER, etc. Auxilio Mutuo is one of the main 2 hospitals I would take my own children, the other one would be Ashford Presbyterian Hospital in Condado. Auxilio Mutuo has their own type of insurance plan. I don’t know all the details, I can search for you though, but apparently is pretty good, especially if you do go to their hospital for the services. So I can get more info for you if you want, they have some limited information online but all the main details such as co-pays etc they ask you to call them. They *should* have an option for English speaking representatives. At first glance, this seems like the most affordable option, but again, I don’t know their coverage and details. They have a kiosk at the mall, maybe I can ask for info for you next time I go and email it to you if you wish.

          Here are the links to their website(s):
 (explains the insurance plans they offer, use the translate feature in your browser to translate into English)

 (hospital’s website)

          Hope this helps! Let me know if I can provide more info!


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