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.
Comparison of the Best Health Insurance Plans in Puerto Rico in 2026 for Individuals and Families
MCS Bronze 61
(Best Budget Plan)
Ideal Profile:
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Healthy young individuals
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People who rarely use their plan
Advantages:
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Lower monthly premium
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$0 primary care physician visits
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Includes pharmacy and dental coverage
Disadvantages:
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High coinsurance on services (up to 75%)
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Higher out-of-pocket costs when using hospitals or specialists
If you're looking for the best health insurance plan in Puerto Rico in 2026, the reality is that there is no one-size-fits-all option. The best choice always depends on your age, health, and budget.
MCS Silver 71
(Best Overall Health Plan)
Ideal Profile:
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Families
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Individuals who use their plan regularly
Advantages:
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No medical deductible
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Low copays for doctor visits and prescriptions
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Better cost control
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Good balance between cost and coverage
Disadvantages:
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Higher premium than Bronze plans
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Hospitalization can still be costly
Triple-S Pocket Gold
(Best Prescription Drug Coverage)
Ideal Profile:
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Individuals who want to minimize out-of-pocket costs
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People with medical conditions or frequent medication use
Advantages:
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Lower copays
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Better pharmacy benefits
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Higher overall coverage
Disadvantages:
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Higher monthly premium
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May be unnecessary if you rarely use the plan
How to purchase your insurance with CLB Insurance?
#1 Free Consultation
We analyze your needs and budget.
#2 Comparison
We compare multiple health insurance plans.
#3 Recommendation
We recommend the options that best suit you.
#4 Enrollment
We complete the enrollment process.
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
Frequently Asked Questions
How much does an individual 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.
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?
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.
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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