Health Insurance Plans in Puerto Rico 2026
Finding the right health insurance plan in Puerto Rico can be complex. There are multiple carriers, different coverage levels, and rates that vary based on age and group type.
At CLB Insurance, we are authorized representatives of MCS, Triple-S, First Medical, and Menonita. We help you compare all your options in one place, at no cost and with no obligation.
Individual and Family Health Insurance Plans in Puerto Rico
If you are self-employed, an independent professional, or simply do not have health coverage through an employer, an individual or family health insurance plan may be your best option to help protect your health and your family’s well-being.
Self-Employed Professionals
Dependents Over Age 26
Personndividuals Without Vital Coverage
Families Seeking Coverage
Health Insurance Carriers for Individuals and Families
Triple S Salud, Inc
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Directo Bronze
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Directo Silver
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Pocket Silver
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Pocket Gold
MCS Life Insurance Company
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Bonze 61
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Bronze 62
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Silver 71
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Silver 72
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Gold 81
Plan de Salud Menonita, Inc
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Gold 1
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Gold 2
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Gold 3
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Platinum
First Medical Health Plan, Inc
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Silver
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Gold
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Gold Plus
The most affordable individual health plans in Puerto Rico for 2026 may start at approximately $75.40 per month for non-smokers ages 0 to 20. Rates vary based on age, carrier, and level of coverage selected. If you would like an instant quote, use our online quote tool.
Health Insurance Plans for Small Businesses in Puerto Rico (2 to 50 Employees)
Who Is It For?
Businesses with 2 to 50 Employees
Employers Looking to Attract and Retain Talent
Businesses Seeking Health Benefits for Their Team
Benefits of Offering Health Insurance to Your Employees
Offering a health insurance plan helps employees access preventive care, doctor visits, and medications, which may reduce absences due to illness and improve productivity. A healthier workforce often translates into greater operational continuity for the business.
Health benefits can be a key factor in attracting and retaining quality employees. In a competitive labor market, offering a group health insurance plan can help differentiate your business from other employers and strengthen talent retention.
Depending on the business structure and employer contributions, offering a health insurance plan may provide potential tax advantages. It may also help support compliance with applicable employee benefits requirements.
Health Insurance Carriers for Small Businesses in Puerto Rico (2 to 50 Employees)
Triple S Salud, Inc
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Empresarial Gold
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Empresarial Platinum
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Optimo Plus Platinum
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Pocket
MCS Life Insurance Company
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MCS Global Elite Gold PPO
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MCS Global Elite Platinum PPO
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MCS Global Essential Gold PPO
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MCS Global Premium Gold PPO
Plan de Salud Menonita, Inc
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Elite POS Gold
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Elite Pos Platinum
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Elite PPO Gold
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Elite PPO Platinum
First Medical Health Plan, Inc
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PYMES Gold
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PYMES Silver
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PYMES Platinum
Mapfre Life Insurance Company
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PPO Gold
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PPO Silver
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PPO Platinum
Auxilio Salud Plus, Inc
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HMO Gold
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HMO Silver
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HMO Platinum
Offering a health insurance plan to your employees is one of the most valued benefits in Puerto Rico’s labor market. For small and mid-sized businesses, there are a variety of group plans designed to fit a company’s budget without sacrificing quality coverage.
Health Insurance Plans for Large Businesses in Puerto Rico (50+ Employees)
Who is it for?
Corporations and Mid-Sized to Large Businesses
Nonprofit Organizations with 50+ Employees
Municipalities and Government Entities
Types of Health Insurance Plans Available
Fully Insured
The insurance carrier assumes all the risk. Ideal for businesses that prefer fixed and predictable costs.
Self Funded (ASO)
The employer assumes the financial risk of the plan and contracts with the insurer for administration only. It may result in significant savings for healthier groups.
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Ability to design specific benefits based on the demographic profile of employees.
Customized Plans
Why Choose CLB Insurance for Health Insurance Plans in Puerto Rico?
Over 20 Years of Experience in Health and Disability Insurance
At CLB Insurance, we have over 20 years of experience in the health and disability insurance industry in Puerto Rico and the United States. Our background includes key areas such as underwriting, actuarial analysis, claims, and product development, allowing us to provide strategic guidance when evaluating health insurance plans for individuals and businesses.
Technical and Regulatory Knowledge to Better Advise You
We apply practical knowledge of the Puerto Rico Insurance Code, including relevant provisions such as Law 194, to help employers and individuals understand eligibility, compliance, and benefit structure considerations. In addition, our professional designations — HIAMHP, PAHM, and PHIAS — support a specialized, technical approach when comparing coverage options.
Authorized Brokers Who Represent Your Interests
As authorized brokers, we represent your interests with insurance carriers, not just one company’s products. We analyze your group’s needs, compare proposals across carriers, and help you find the right balance between cost, provider network, and benefits.
Support Through Implementation and Renewal
We do more than help you obtain quotes. We support you throughout implementation, ongoing plan changes, and annual renewals. Our approach is focused on continuity, service, and long-term strategic support.
Benefits of Working With CLB Insurance
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Objective comparison of group health insurance options
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Guidance backed by technical and regulatory experience
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Support with implementation and annual renewals
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Personalized, no-cost advisory services
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Access to multiple insurance carriers through one point of contact
Health Insurance Carriers Offering Plans for Individuals and Businesses
Frequently Asked Questions
How much does an individual health insurance plan cost in Puerto Rico?
How much does a business health insurance plan cost in Puerto Rico?
How much does it cost to work with CLB Insurance?
The price varies based on age, insurance carrier, and level of coverage. The most affordable individual plans start at approximately $75.40 per month. The best way to determine your exact cost is through a personalized quote.
The cost of a business health insurance plan in Puerto Rico varies based on the insurer, number of employees, ages, location, level of coverage, and employer contribution. Many group plans start with per-employee rates, but the total cost can increase depending on the benefits and overall plan design.
Our orientation and advisory services are completely free for the client. We are compensated directly by the insurance carriers, so you do not pay any additional costs or fees for our assistance.
When do health insurance plans become effective in Puerto Rico?
What does a private health insurance plan cover in Puerto Rico?
What are the requirements to quote a group health insurance plan?
The effective date of a health insurance plan depends on the insurer and when you complete the application. In most cases, plans begin on the first day of the month following approval. However, some options may offer faster start dates depending on your situation.
Most plans cover doctor visits, emergency services, hospitalization, prescription drugs, telemedicine, preventive care, and mental health services. Some plans also include dental and vision coverage. Exact benefits vary by plan and insurer.
To quote a group health insurance plan, you typically need an eligible employee census, the number of participating employees, the employer contribution, basic business information, and the desired effective date. Some insurers may also request additional documents, such as a utilization report.
All insurance in one place.
Let us guide you
Complete this form and one of our representatives will contact you to guide you:
W: +1 (787) 361-4416
info@clbinsurance.com
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