Puerto Rico Lifestyle Archives

Understanding Health Insurance in Puerto Rico

Coverage, Differences, and International Options

Understanding health insurance in Puerto Rico is crucial, as Puerto Rico’s health insurance system is similar to the US mainland in many ways, but there are key differences that individuals should be aware of when relocating or traveling. While conventional health insurance in Puerto Rico offers comprehensive local coverage, they often provide limited benefits outside the island. Expats, digital nomads, and frequent travelers may need to consider international health insurance options for broader coverage. For those seeking an in-depth understanding, exploring the nuances of health insurance in Puerto Rico is essential.

How is Puerto Rico’s Health Insurance Different?

Health insurance in Puerto Rico operates under a private and public healthcare system. The public system, known as Vital, is Puerto Rico’s Medicaid equivalent, covering low-income residents. The private sector includes major local providers such as Triple-S, MCS, and Humana, offering plans similar to those in the mainland U.S. but often with regional restrictions.

Most local insurance plans:

Provide full coverage within Puerto Rico
Offer limited coverage on the U.S. mainland (emergency care only)
Do not typically cover elective or routine medical care outside of PR

Because of these limitations, many professionals and retirees in Puerto Rico opt for international health insurance plans to ensure full coverage while traveling.

The Impact of Low Insurance Provider Rates on Healthcare in Puerto Rico

The impact of doctor shortages has on patients needing medical attention.

One of the most pressing issues in Puerto Rico’s healthcare system is the low reimbursement rates from insurance providers, which contribute to lower doctor and nurse salaries. This has led to a shortage of medical professionals, particularly among Primary Care Physicians (PCPs), as many leave for the mainland U.S. where salaries are significantly higher.

Key Statistics:

The average Primary Care Physician salary in Puerto Rico is $170,000, compared to $265,000 in the U.S.
Specialists in Puerto Rico earn $285,000, whereas in the mainland U.S., they earn around $382,000.
Registered Nurses in Puerto Rico earn an average of $35,000, significantly lower than the $81,000 U.S. average.

This shortage has resulted in:

Longer wait times for appointments, especially with specialists.
Limited availability of doctors accepting new patients.
Higher patient-to-doctor ratios, leading to potential declines in care quality.

Given these challenges, many expats and residents seek private concierge healthcare or international health insurance for greater flexibility and access to a broader network of healthcare providers.

How to Improve Your Healthcare Access and Quality in Puerto Rico

Despite the challenges, there are ways to enhance healthcare access in Puerto Rico:

Choose a Health Plan with a Strong Provider Network – Look for insurance plans that include access to top-tier hospitals and specialists to reduce wait times and ensure high-quality care.
Consider Private or Concierge Medical Services – Many expats and business professionals opt for concierge medicine, which provides direct access to physicians, personalized care, and faster appointment scheduling.
Use Telemedicine Services – Many international health plans offer telehealth options, allowing patients to consult with U.S.-based doctors remotely without needing to travel.
Supplement Local Insurance with an International Plan – For those who frequently travel or want broader coverage, international health insurance can provide access to hospitals and specialists outside of Puerto Rico.
Seek Out Medical Tourism Options – Some residents choose to receive elective or specialized medical care in Florida, Texas, or other nearby locations, where provider availability is greater and costs can be competitive.

International Health Insurance Options for Expats and Frequent Travelers

If you live in Puerto Rico and frequently travel to the mainland and/or abroad and want medical coverage in multiple locations, you might consider international health insurance plans that provide global benefits. You might find it useful to book a consultation with a Puerto Rico-based health insurance agent that can counsel you about which option works best for you. Here are some of the options available:

1. Cigna Global

Extensive global network with coverage in Puerto Rico and worldwide.
Customizable plans with flexible deductibles and add-ons.
24/7 multilingual customer support and digital claim submission.

(Related: Cigna Global Health Insurance)

2. Allianz Care

Strong reputation for international health coverage, including Puerto Rico.
Comprehensive plans covering inpatient, outpatient, dental, and maternity care.
Emergency medical evacuation and repatriation services included.

(Related: Allianz Care Health Insurance)

3. IMG (International Medical Group)

Affordable international health insurance options with global reach.
Specializes in long-term expat and traveler health plans.
Offers telemedicine services and easy online claim filing.

(Related: Expat Health Insurance – IMG)

4. GeoBlue

Exclusive plans designed for U.S. citizens living or working abroad.
Access to Blue Cross Blue Shield’s extensive U.S. and Puerto Rico network.
Mobile app for easy provider search, claim submission, and telehealth.

(Related: GeoBlue Travel Insurance)

5. AXA Global Healthcare

Worldwide coverage with premium options for high-net-worth expats.
Direct billing with a vast network of hospitals and clinics.
Multilingual support and second medical opinion services.

(Related: AXA Global Healthcare)

6. Redbridge International Health Insurance

Specializes in Latin America and the Caribbean, including Puerto Rico.
Competitive pricing and flexible plan options.
24/7 assistance with multilingual customer support.

Final Thoughts: Finding the Right Plan for Your Needs

Understanding PR’s health insurance system is essential for both residents and expats. While local insurance plans provide strong coverage on the island, they may lack comprehensive benefits outside of Puerto Rico. For those who travel frequently or want peace of mind with global access to healthcare, an international health insurance plan may be the best choice.

However, it’s also crucial to recognize the broader healthcare challenges in Puerto Rico. Due to low provider reimbursement rates, many doctors and nurses relocate to the mainland U.S., leading to specialist shortages and longer wait times. Those moving to Puerto Rico should carefully evaluate their healthcare access options, which may include concierge medical services or international coverage for flexibility and peace of mind.

To explore your best options, consult with a licensed insurance advisor who can match you with a plan tailored to your healthcare needs.

Looking for guidance on health insurance in Puerto Rico and other relocation concerns? Contact Puerto Rico Advantage for expert insights and personalized recommendations!

The Cost of Living in Puerto Rico

Comparing the Cost of Living in PR to Major U.S. Cities

View of Condado neighborhood in San Juan, Puerto Rico — Condado neighborhood in San Juan, with combination of residential condos, hotels, restaurants, and shopping

For many individuals and businesses looking to relocate, Puerto Rico offers not just stunning beaches and a tropical lifestyle but also significant financial advantages. The cost of living in Puerto Rico is often lower than in major U.S. cities, making it an attractive destination for those seeking affordability and tax benefits. But how do everyday expenses compare, and how do tax incentives balance out living costs? Let’s break it down.

Comparing Puerto Rico’s Cost of Living to Major U.S. Cities

In general, Puerto Rico’s cost of living is lower than that of major metropolitan areas like New York, San Francisco, or Miami. While some expenses, like electricity and imported goods, can be higher, the overall affordability—especially in housing—makes Puerto Rico an attractive option. To provide an accurate comparison, we used data from sources such as Numbeo, Expatistan, and local market research as of 2024.

Expense Category	Puerto Rico (Avg.)	New York City	San Francisco	Miami	Median U.S. City
Rent (1-bedroom, city center)	$1,000 – $1,500	$3,500+	$3,200+	$2,500+	$1,500 – $1,800
Utilities (electricity, water, etc.)	$150 – $300	$150 – $200	$100 – $200	$120 – $180	$150 – $250
Internet	$50 – $90	$60 – $100	$60 – $100	$50 – $90	$60 – $80
Groceries (monthly) (Household of 2)	$500 – $700	$600 – $1,000	$700 – $1,200	$500 – $800	$450 – $700
Dining Out (mid-range restaurant for two)	$50 – $80	$80 – $120	$90 – $150	$70 – $100	$50 – $80
Gasoline (per gallon)	$4.00 – $4.50	$3.50 – $4.50	$4.00 – $5.00	$3.50 – $4.50	$3.50 – $4.00
Public Transportation (monthly)	$50	$127	$81	$112	$70 – $90

Budget Breakdown: Everyday Expenses in Puerto Rico

1. Housing in Puerto Rico

A great example of apartment complexes being built to modernize outdated neighborhoods. — Bayshore Villas in San Juan’s Punta de Tierra neighborhood

In contrast to modern apartment complexes, you can also find architecture that still represents Puerto Rican culture. — Homes in Old San Juan

The cost of housing in Puerto Rico is significantly lower than in major U.S. cities. Rent for a middle-class one-bedroom apartment in San Juan’s prime locations, like Condado or Old San Juan, ranges from $1,000 to $1,500, whereas high-end apartments in these areas can exceed $2,000 per month. By comparison, similar apartments in New York or San Francisco cost over $3,000 per month.

For those looking to buy, real estate prices can be attractive, with beachfront condos available for as low as $200,000 to $400,000 in some areas. Additionally, Puerto Rico offers luxury gated communities and high-end condo buildings with extensive amenities for those seeking a more upscale lifestyle.

Tip: If you’re flexible with location, areas outside of San Juan—such as Mayagüez, Ponce, Rincón or other towns outside of the main metro area—offer lower rent while maintaining a high quality of life.

(Related: Puerto Rico Real Estate Market)

2. Utilities in Puerto Rico

Utility costs in Puerto Rico can be higher than on the mainland due to the island’s reliance on imported fuel for electricity. The average electricity bill runs between $150 and $300 per month, depending on air conditioning use. The power grid in PR is also a bit fragile, so it is important to look into mitigation strategies such as generators and solar panels should you experience a power outage.

Tip: Solar energy is becoming more popular, and many homeowners invest in solar panels and battery backup systems to reduce electricity costs and avoid being without power. Additionally, solar panel installations may be eligible for tax credits, providing further incentives for homeowners looking to lower their energy bills.

3. Food & Groceries in Puerto Rico

This shows one of the many alternatives where expats can get locally grown fruits & vegetables to mitigate the Cost of Living in Puerto Rico — Plaza de Mercado de Santurce – Interior

Grocery prices are generally higher than in the U.S. mainland due to import costs. Expect to pay around $300 – $400 per person per month for groceries. Local markets offer fresh produce at lower prices, so shopping at farmers’ markets or buying local brands can help save money.

Tip: Opt for locally grown fruits, vegetables, and seafood to save on imported grocery costs.

4. Transportation in Puerto Rico

A full street view of Old San Juan's traffic on an average day. — Old San Juan Streets at night, with Christmas decorations on display

Car ownership is common in Puerto Rico, and gas prices are comparable to mainland averages, around $4.00 – $4.50 per gallon. However, vehicle purchase prices tend to be higher due to import taxes, as there are no cars manufactured in Puerto Rico. Public transportation options are limited outside of San Juan, so having a vehicle is often necessary.

Public Transit: The Tren Urbano metro system operates in the San Juan metropolitan area but it is not as extensive as subway systems in major U.S. cities. While it provides some connectivity, most residents still rely on personal vehicles or rideshare services for daily transportation.

Tip: If living in San Juan, you can reduce costs by using Uber (currently the only rideshare app in PR) or walking. Several attractive neighborhoods allow residents to walk to most daily necessities, minimizing the need for a car.

How Tax Savings Can Offset Living Costs

One of the biggest financial incentives for moving to Puerto Rico is the potential tax savings under Act 60 (formerly Acts 20 and 22, and others). Here’s how these world-class tax incentives can benefit you:

0% Capital Gains Tax – Investors relocating to Puerto Rico can benefit from no tax on both short and long-term capital gains, compared to the 15-20% tax rate on the mainland.
2 or 4% Corporate Tax Rate – Entrepreneurs setting up qualifying businesses in Puerto Rico can enjoy a flat 2 or 4% corporate tax rate versus the 21% federal rate in the U.S.
No State Taxes – Unlike the mainland, which levies both state and federal taxes, residents of Puerto Rico are only taxed by PR for income sourced there.

For example, a business owner earning $500,000 per year could potentially save over $100,000 in taxes compared to living in a high-tax state like California or New York. (This estimate is based on Puerto Rico’s tax incentives versus combined federal and state tax rates in high-tax jurisdictions. Actual savings depend on individual circumstances, and consulting a tax professional is advised. Contact Puerto Rico Advantage to schedule a free initial consultation)

For more details, see our overview of the Act 60 tax incentives.

(Related: Puerto Rico Act 60 Guide)

Final Thoughts: Is Puerto Rico Affordable?

For those relocating primarily for tax benefits, Puerto Rico offers substantial savings. While some costs, like utilities and groceries, can be higher, the reduced housing costs and major tax incentives often result in a significantly improved financial outlook.

For those less concerned about affordability but looking for a transparent picture of what to expect, Puerto Rico provides a mix of high-end and budget-friendly living options. Luxury accommodations, fine dining, and premium services are available, but so are cost-saving opportunities for those who seek them.

If you’re considering a move, it’s important to weigh not just the numbers but also the lifestyle trade-offs. If you’re looking for an island paradise with financial perks, Puerto Rico may just be the perfect fit.

Need help with your move? Contact Puerto Rico Advantage for guidance on relocation, tax incentives, and settling in!

How to Maximize Puerto Rico’s Tax Incentives

Free Webinar - Friday, August 16, 12-12:30pm (Eastern time)

Learn from investors and business owners who have succeeded with Puerto Rico’s world-class tax advantages.

Topics covered:

Will Puerto Rico tax incentives work for you?
How many people have moved to Puerto Rico for the tax benefits?
What has changed in Puerto Rico recently?
How long does it take to acquire Puerto Rico tax incentives?
What is it like to live in Puerto Rico?

Email us here if you have questions you hope to be covered during the webinar.

Frequently Asked Questions About Puerto Rico

Below are some of the most common questions we hear from people considering Puerto Rico as a relocation destination. Contact us for more details, and for a free consultation about your unique situation.

Doesn’t Puerto Rico Have a High Crime Rate?

Puerto Rico’s issue has more to do with public relations than actual crime! This image is partly formed by cultural stereotypes and political history.

Like everywhere else, Puerto Rico’s crime rate varies depending upon what area you happen to be in. Its metropolitan areas tend to be higher, especially in less wealthy parts of town. However, it can be argued that the crime in the cities is comparable to US cities. For example, Puerto Rico’s murder rate is half that of Washington DC and Detroit. If Puerto Rico were ranked for safety as if it were a State, it would be 19th in the list.

For those who are relocating and want an extra degree of protection, there are a number of gated community options that are extremely safe.

What is the Food Like in Puerto Rico?

The local cuisine is Spanish with Caribbean accents. It is heavy in meat, particularly pork, and moderately spicy, though typically less spicy than what you might find in other parts of Latin America. As in many “island” cuisines, sweet and coconut flavors can be found in many dishes. Plantains are a major staple.

Dining out, we have found that while many fine options exist in Puerto Rico, good restaurants featuring Asian cuisines, in particular, are rare.

Grocery stores are plentiful, and the locally grown food is inexpensive. For organic food, and other items that are not produced on-island, you may have to go to specialty stores, where the prices are higher.

Is it Safe to Drink the Water?

The tap water is considered safe to drink in Puerto Rico, as the sanitation standards are the same here as in the States.

Is it Necessary to Learn Spanish to Live in Puerto Rico?

The great news is that it is not necessary to learn Spanish to relocate to Puerto Rico!

Both Spanish and English are official languages in Puerto Rico. Most government forms and official sites, as well as most menus and other things you might need to read, are available in English. Also, most service providers and customer service representatives are either fluent in both English and Spanish, or at least know enough English to get by.

However, you will almost definitely encounter some people who speak little to no English. For these encounters, it can be helpful to learn at least a little conversational Spanish, though we have never yet encountered a situation when it was absolutely necessary. Puerto Ricans are generally very friendly and accommodating of a limited Spanish vocabulary; rather than being judgmental or impatient, as some cultures can be in this type of situation, the folks in Puerto Rico usually appear to us to graciously appreciate whatever genuine effort you can make.

What is the Cost of Living in Puerto Rico?

The cost of living varies depending upon the area in which you live. Gated communities tend to be more expensive for real estate, and the dining and entertainment in those areas are also pricier. However, people who move to more expensive areas in Puerto Rico may well have lived incomparably expensive areas prior. There are many areas to live which are still desirable and safe, but affordable.

Gas tends to be just slightly more expensive in Puerto Rico than in the States. (Also note that it is sold in liters rather than gallons, which can be confusing at first.) Electricity is currently about twice the price; however, there is never a need to heat your living space here, and while you may choose to run your air conditioner more, fuel efficient inverter air conditioners are common in most modern homes.

Food can be more expensive, particularly if you prefer to buy organic products, as there is currently very little organic farming happening in Puerto Rico. Other items that must be imported may cost more as well.

Here is a cost of living comparison tool which may give you a good idea of what you might expect, based on an average price for living in Puerto Rico, compared to wherever you may be moving from.

What would happen if Puerto Rico Became a State?

If Puerto Rico became a US State, its residents would become subject to US federal tax. This almost completely eliminates the benefits of the tax incentive Acts, as the low Puerto Rico tax would then become a state tax, owed in addition to what must be paid to the IRS.

It should be noted, however, that the people of Puerto Rico have declined Statehood, by public referendum, on more than one occasion in the past. Many Puerto Ricans are proud of their independence; Puerto Rico competes as its own country in the Olympic Games. Also, with so many of the population living in poverty, few are eager to accept the additional tax burden for many that would come with Statehood. Finally, it appears to us that many Puerto Ricans are savvy about the prospects for economic recovery, growth, and prosperity made possible by the Commonwealth’s unique legal status. Though Statehood may be inevitable at some point in the farther future, we judge it to be unlikely in the near term.

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What’s the Weather Like in Puerto Rico?

Puerto Rico Weather

Puerto Rico weather is steady and pleasant all year round! It is worth a visit to check it out, if you are considering relocating to Puerto Rico. It is also a wonderful and popular vacation spot. Contact us if you would like further consultation!

Every Day is Beach Weather!

We have been very pleased to find that even on the lowest temperature days in Puerto Rico, you can still comfortably swim in the ocean! That is why there isn’t really an off-season here, tourism-wise.

The ultraviolet index at its strongest is 10+, with a maximum of 7 in the winter months.

Sunlight is from around 5:30am-7: 00 pm in summer, ranging to around 7:00am-5: 30 pm in winter.

Temperature and Humidity in Puerto Rico

Puerto Rico’s climate is tropical, and it is closer to the equator than any other place in the United States. However, relocating here, we have been happy to find the climate quite moderate – in fact, summers in many mainland US States feel much more severe to us than those in Puerto Rico! Year-round, the temperature remains a fairly steady low 80’s to low 90’s (note that we are listing all temperatures in Fahrenheit).

Hottest months: May-September
Average highs 87-89 degrees, average lows 77-78

Rest of the year:
Average highs 82-84 degrees, average lows 72-74

It is almost always quite humid in Puerto Rico. However, we have noticed that with the salt water air, the humidity feels much different in Puerto Rico, and in some ways does not bother us as much as it does in some mainland areas. Also, because the humidity is a constant, one gets used to it, unlike places where it is humid for a while then changes to something completely different than the body must quickly adjust to.

Average relative humidity ranges from 57% (considered mild) to 92% throughout the year. It rarely drops below a comfortable 47%, though it can reach as high on occasion as 98%.

Living near the beach in Puerto Rico, people often also find that the constant ocean breeze mitigates heat and humidity significantly. Eastern trade winds pass across the island year-round. And if you prefer a cooler climate, living in the mountainous parts of Puerto Rico offers temperatures in the 70’s year-round.

How Much Rain Does Puerto Rico Get?

Puerto Rico is a tropical climate with no dry season, through March tends to be the driest month. Rain can come at any time but is often in short, warm bursts that pass quickly. The rainiest part of the year is from April to November, and during these months, rain can last longer and be more frequent throughout the day. Rainfall varies greatly throughout the island due to the variation in topography, averaging from 29.32 to 171.09 inches annually.

Extreme Weather Events

Puerto Rico is in “hurricane alley”. Like in southern Florida, a portion of every year is considered to possess significant risk for hurricane development. Weather is monitored closely by local services, and residents are prepared with contingencies. There has not been a major hurricane in Puerto Rico since Hurricane Hugo in 1989, and that experience resulted in much more extensive hurricane preparedness across the island.

Tropical cyclones can also occur in Puerto Rico, generally around every five years, during La Nina events. However, cyclones do not tend to affect the structures in Puerto Rico as much as in the States, due to the different construction materials used here.

Though tsunamis are possible in the Caribbean they are not common. The most recent tsunami of significance which mostly affected the west coast of Puerto Rico occurred in 1918, caused by a major earthquake, which also affected Puerto Rico. Though they have not been frequent, there is some risk of earthquakes and tsunamis in this area.

References

Puerto Rico climate details

Annual weather table

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Puerto Rico is a land of economic opportunity, endless beaches, a rich culture, and friendly people. The weather is amazing year-round, and Puerto Rico offers many beautiful and safe places to live. Let us help you discover the many benefits and joys that life in Puerto Rico has to offer!

Latest News

Understanding Health Insurance in Puerto Rico March 5, 2025
The Cost of Living in Puerto Rico March 4, 2025
Webinar: Puerto Rico Health Insurance February 7, 2025

Understanding Health Insurance in Puerto Rico

Coverage, Differences, and International Options

How is Puerto Rico’s Health Insurance Different?

The Impact of Low Insurance Provider Rates on Healthcare in Puerto Rico

Key Statistics:

How to Improve Your Healthcare Access and Quality in Puerto Rico

International Health Insurance Options for Expats and Frequent Travelers

1. Cigna Global

2. Allianz Care

3. IMG (International Medical Group)

4. GeoBlue

5. AXA Global Healthcare

6. Redbridge International Health Insurance

Final Thoughts: Finding the Right Plan for Your Needs

The Cost of Living in Puerto Rico

Comparing the Cost of Living in PR to Major U.S. Cities

Comparing Puerto Rico’s Cost of Living to Major U.S. Cities

Budget Breakdown: Everyday Expenses in Puerto Rico

1. Housing in Puerto Rico

2. Utilities in Puerto Rico

3. Food & Groceries in Puerto Rico

4. Transportation in Puerto Rico

How Tax Savings Can Offset Living Costs

Final Thoughts: Is Puerto Rico Affordable?

How to Maximize Puerto Rico’s Tax Incentives

Free Webinar - Friday, August 16, 12-12:30pm (Eastern time)

Frequently Asked Questions About Puerto Rico

Doesn’t Puerto Rico Have a High Crime Rate?

What is the Food Like in Puerto Rico?

Is it Safe to Drink the Water?

Is it Necessary to Learn Spanish to Live in Puerto Rico?

What is the Cost of Living in Puerto Rico?

What would happen if Puerto Rico Became a State?

We Can Help

What’s the Weather Like in Puerto Rico?

Puerto Rico Weather

Every Day is Beach Weather!

Temperature and Humidity in Puerto Rico

How Much Rain Does Puerto Rico Get?

Extreme Weather Events

We Can Help

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