In Puerto Rico, the health insurance sector is crucial for providing coverage to individuals and families. Companies here vary from large, established entities to smaller organizations, offering services ranging from Medicaid plans to supplemental individual insurance. The industry is adapting to ongoing regulatory changes and an increase in demand for telehealth services, which reflect a broader shift in healthcare delivery. As healthcare costs rise, insurers are increasingly focusing on value-based care models and preventive programs, aiming to improve health outcomes while managing expenses effectively. Fresh initiatives are expected to reshape the future of health insurance in Puerto Rico.

The health insurance companies listed here represent a mix of sizes and specializations, each with a strong emphasis on different market segments. These businesses, founded between 1934 and 2001, operate mainly in Puerto Rico and the mainland United States, providing essential coverage across numerous sectors. Companies like UnitedHealthcare and Medical Mutual offer a variety of plans, including Medicare and Medicaid options, while ensuring personalized support to their customers. This variety captures the dynamic nature of these organizations as they respond to evolving healthcare needs.

Continue reading to discover the top health insurance companies in Puerto Rico.

Top 21 Health Insurance Companies in Puerto Rico

1. UnitedHealthcare

• Website: uhc.com
• Ownership type: Private
• Headquarters: Minnetonka, Minnesota, United States (USA)
• Employee distribution: United States (USA) 97%, Other 3%
• Founded year: 1977
• Headcount: 10001+
• LinkedIn: unitedhealthcare

UnitedHealthcare, based in Minnetonka, Minnesota, is a prominent health insurance provider founded in 1977. The company offers a variety of health plans, including Medicare, Medicaid, and individual family plans, catering to consumers, businesses, and organizations. UnitedHealthcare aims to help its members manage healthcare costs while ensuring access to necessary medical services. With over 14,000 employees, the company operates primarily in the United States, focusing on delivering quality coverage and personalized support. Their services extend beyond basic insurance, incorporating wellness programs and preventive care initiatives to enhance the overall health of their members. UnitedHealthcare's commitment to comprehensive coverage options and member support underscores its role as a key player in the health insurance industry.

2. Health Net

• Website: healthnet.com
• Ownership type: Corporate
• Headquarters: Los Angeles, California, United States (USA)
• Employee distribution: United States (USA) 98%, Other 2%
• Latest funding: March 2016
• Founded year: 1979
• Headcount: 1001-5000
• LinkedIn: health-net

Health Net, LLC, based in Los Angeles, California, is a health insurance provider that has been serving customers since its founding in 1979. The company offers a variety of health plans, including Medicare Advantage and Medi-Cal plans, aimed at individuals, families, and businesses. Health Net is committed to making healthcare accessible and provides wellness programs designed to help customers manage their health effectively. As a subsidiary of Centene Corporation, Health Net operates primarily in the United States, with a workforce of over 5,000 employees. The company emphasizes community engagement and offers resources that support mental and physical well-being, reflecting its dedication to comprehensive health management.

3. Health Care Service Corporation

• Website: hcsc.com
• Ownership type: Private
• Headquarters: Chicago, Illinois, United States (USA)
• Employee distribution: United States (USA) 99%, Other 1%
• Founded year: 1936
• Headcount: 10001+
• LinkedIn: blue-cross-and-blue-shield-of-illinois-new-mexico-oklahoma-%26-texas

Health Care Service Corporation (HCSC) is a prominent health insurance provider based in Chicago, Illinois. Founded in 1936, HCSC operates as a mutual legal reserve company, which allows it to prioritize the needs of its members over profit. The company offers a comprehensive range of health benefit solutions, including life, disability, and dental insurance, catering to individuals, families, and businesses. HCSC serves over 23 million members across five states: Illinois, Montana, New Mexico, Oklahoma, and Texas. The company is dedicated to expanding access to quality healthcare and improving health outcomes through various initiatives, including community investments and sustainability efforts. HCSC's financial strength is notable, with a managed medical spend of $102 billion and an annual revenue of $54 billion in 2022. This robust financial position enables HCSC to invest in innovative solutions that address the evolving healthcare needs of its members.

4. NotreDame Intermédica

• Website: gndi.com.br
• Ownership type: Private
• Headquarters: Sao Paulo, Sao Paulo, Brazil
• Employee distribution: Brazil 100%
• Founded year: 1968
• Headcount: 10001+
• LinkedIn: gndi

NotreDame Intermédica, founded in 1968 and based in São Paulo, Brazil, is a private health insurance provider that specializes in offering a range of health and dental plans for individuals and businesses. The company is committed to making healthcare accessible, emphasizing preventive health programs and telemedicine services. With a workforce exceeding 13,000 employees, NotreDame Intermédica operates through a comprehensive network of clinics and hospitals, ensuring quality service and support for its customers. The company has received recognition for its efforts in sustainability and ethical practices, further solidifying its position in the healthcare market. Their extensive experience and operational scale make them a notable entity in the Brazilian health insurance landscape.

5. Florida Blue

• Website: floridablue.com
• Ownership type: Private
• Headquarters: Jacksonville, Florida, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2001
• Headcount: 5001-10000
• LinkedIn: florida-blue

Florida Blue, founded in 2001 and based in Jacksonville, Florida, is a prominent health insurance provider. The company operates under the Blue Cross and Blue Shield Association and offers a variety of health plans tailored to individuals, families, and businesses. Their offerings include Medicare plans, individual and family health insurance, and group plans for employers. Florida Blue is dedicated to enhancing health access and outcomes for Floridians through comprehensive health solutions. They also provide wellness programs and virtual care services, which cater to the evolving needs of their members. With a workforce of over 8,400 employees, Florida Blue is committed to community engagement, hosting events and providing resources that promote health and wellness. Their Florida Blue Centers serve as local hubs for health assessments, education, and support, further demonstrating their investment in the health of the communities they serve.

6. Medical Mutual

• Website: medmutual.com
• Ownership type: Private
• Headquarters: Cleveland, Ohio, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1934
• Headcount: 1001-5000
• LinkedIn: medical-mutual

Medical Mutual of Ohio is a private health insurance provider based in Cleveland, Ohio, with a workforce of over 3,000 employees. Established in 1934, the company has been dedicated to serving the health insurance needs of Ohioans for nearly 90 years. Medical Mutual offers a comprehensive suite of insurance plans, including medical, dental, vision, and Medicare options. They cater to individuals, families, and employers, helping them navigate healthcare services and manage health-related expenses. The company emphasizes community health, operating various wellness programs and resources aimed at improving the overall health of its members. Their focus on customer service and accessibility is evident in their extensive member resources and educational materials, which guide clients through the complexities of health insurance. Medical Mutual's commitment to quality care and community involvement underscores its relevance in the health insurance industry.

7. Vitality

• Website: vitality.co.uk
• Ownership type: Private
• Headquarters: London, England, United Kingdom (UK)
• Employee distribution: United Kingdom (UK) 92%, South Africa 7%
• Latest funding: Other (Grant), $31,000, February 2017
• Founded year: 2004
• Headcount: 1001-5000
• LinkedIn: vitalityuk

Vitality is a health and life insurance provider based in London, UK, founded in 2004. The company offers a variety of insurance products, including health insurance, life insurance, and wellness programs. Vitality is known for its innovative Shared Value Insurance model, which aims to create mutual benefits for both the company and its customers. This model encourages members to adopt healthier lifestyles by providing rewards for engaging in health-promoting activities. With a workforce of approximately 2,394 employees, Vitality serves over 1.7 million members in the UK. The company has received recognition for its insurance products, including a 5-star Defaqto rating, and has a strong commitment to customer service, as evidenced by its high claim payout rates. Vitality also actively participates in community health initiatives and partnerships with fitness organizations, further enhancing its role in promoting health and wellness.

8. Vhi

• Website: vhi.ie
• Ownership type: Private
• Headquarters: Kilkenny, Kilkenny, Ireland
• Employee distribution: Ireland 100%
• Founded year: 1957
• Headcount: 1001-5000
• LinkedIn: vhi-healthcare

Vhi Healthcare, based in Kilkenny, Ireland, is a private health insurance provider that has been operational since 1957. The company serves over one million customers, offering a comprehensive range of health insurance products, including coverage for hospital treatments, day-to-day medical expenses, and specialized services like dental and travel insurance. Vhi also provides healthcare services such as urgent care, health checks, and mental health support, demonstrating a commitment to holistic health management. The company operates under the regulation of the Central Bank of Ireland and is tied to Vhi Insurance DAC for health insurance, ensuring compliance and reliability in their offerings. Vhi's innovative approach includes digital health services, allowing members to access care remotely, which is increasingly important in today's healthcare environment.

9. Regence BlueCross BlueShield of Oregon

• Website: regence.com
• Ownership type: Private
• Headquarters: Portland, Oregon, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1991
• Headcount: 5001-10000
• LinkedIn: regence-bluecross-blueshield

Regence BlueCross BlueShield of Oregon, founded in 1991, is a private health insurance provider based in Portland, Oregon. The company offers a variety of health plans designed for individuals, families, and employers, focusing on essential services such as behavioral health support, pharmacy savings, and preventive care resources. Regence serves a broad customer base, including consumers seeking health coverage and businesses looking to provide employee benefits. As an independent licensee of the Blue Cross Blue Shield Association, Regence operates in Oregon, Idaho, Utah, and select counties in Washington, ensuring a wide reach within the region. The company emphasizes customer service, providing resources and support to help members navigate their health care needs effectively.

10. Amil

• Website: amil.com.br
• Ownership type: Corporate
• Headquarters: Sao Paulo, Sao Paulo, Brazil
• Employee distribution: Brazil 100%
• Latest funding: $4.3B, October 2012
• Founded year: 1978
• Headcount: 10001+
• LinkedIn: amil

Amil, founded in 1978 and headquartered in São Paulo, Brazil, is a prominent healthcare company that specializes in medical assistance and health insurance services. The company provides a variety of health plans and dental coverage, making healthcare accessible to individuals and families across Brazil. Amil operates a vast network of accredited medical providers, ensuring that its clients have access to necessary medical services. With over 11,000 employees, Amil is well-equipped to manage its operations and support its customer base. The company has also attracted significant investment, with a reported funding amount of approximately $4.3 billion, reflecting strong market confidence in its business strategy and operational capabilities. Amil is committed to enhancing the well-being of its clients through specialized health programs and services.

11. Sanitas Krankenversicherung

• Website: sanitas.com
• Ownership type: Private
• Headquarters: Zurich, Zurich, Switzerland
• Employee distribution: Switzerland 100%
• Founded year: 1958
• Headcount: 501-1000
• LinkedIn: sanitas-krankenversicherung

Sanitas Krankenversicherung, based in Zurich, Switzerland, is a private health insurance provider that has been operational since 1958. The company offers a variety of health insurance plans, including basic and supplementary insurance, aimed at helping individuals manage their healthcare costs effectively. Sanitas is dedicated to enhancing customer experience through its online portal, which allows clients to handle their insurance matters with ease. The company also emphasizes wellness, providing health advice and programs designed to promote healthier lifestyles. With a workforce of approximately 707 employees, Sanitas is committed to innovation and customer satisfaction, as reflected in its high ratings from independent surveys. The company operates solely within Switzerland, ensuring a focused approach to the local health insurance market.

12. Medica

• Website: medica.com
• Ownership type: Corporate
• Headquarters: Minnetonka, Minnesota, United States (USA)
• Employee distribution: United States (USA) 95%, Other 5%
• Latest funding: $4.2M, January 2024
• Founded year: 1975
• Headcount: 1001-5000
• LinkedIn: medica

Medica, based in Minnetonka, Minnesota, is a health insurance provider that has been operational since 1975. The company offers a variety of health insurance plans, including options for individuals, families, Medicare recipients, and Medicaid participants. Medica aims to help consumers, businesses, and organizations access affordable healthcare coverage while effectively managing medical expenses. With a workforce of approximately 4,286 employees, the company serves a significant portion of the U.S. population, primarily focusing on states like Minnesota, North Dakota, and others. Medica's commitment to health and wellness is reflected in its range of services, which include mental health support and preventive care. The company has also received funding, with a notable amount of $4.25 million in January 2024, which may bolster its capabilities and service offerings in the competitive health insurance market.

13. Wellmark Blue Cross and Blue Shield

• Website: wellmark.com
• Ownership type: Private
• Headquarters: Des Moines, Iowa, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1939
• Headcount: 1001-5000
• LinkedIn: wellmark

Wellmark Blue Cross and Blue Shield is a health insurance provider based in Des Moines, Iowa, with a strong focus on serving consumers and businesses in Iowa and South Dakota. Founded in 1939, Wellmark has established itself as a reliable source for various insurance products, including Medicare Advantage plans, individual and family health insurance, dental, and life insurance. The company is dedicated to helping its members manage healthcare costs and access necessary medical services. Wellmark is also recognized for its commitment to quality care, having received accolades for its maternity care services and being voted as a top health insurer in certain regions. The company operates as an independent licensee of the Blue Cross and Blue Shield Association, which further enhances its credibility in the health insurance market.

14. Blue Cross and Blue Shield of Kansas

• Website: bcbsks.com
• Ownership type: Private
• Headquarters: Topeka, Kansas, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1942
• Headcount: 1001-5000
• LinkedIn: bcbsks

Blue Cross and Blue Shield of Kansas, based in Topeka, Kansas, is a health insurance provider that has been operational since 1942. The company offers a variety of insurance plans tailored to individuals, families, and employers, including Medicare options. It serves consumers and businesses across Kansas, providing essential coverage that helps manage healthcare costs and access medical services. The company is committed to customer service, emphasizing personalized support for its members. As an independent licensee of the Blue Cross Blue Shield Association, it benefits from a well-established brand while maintaining a focus on local needs. The absence of reported funding indicates a stable operational model, relying on its established market presence rather than external financial backing.

15. Zilveren Kruis

• Website: zilverenkruis.nl
• Ownership type: Private
• Headquarters: Leiden, South Holland, Netherlands
• Employee distribution: Netherlands 100%
• Founded year: 1949
• Headcount: 1001-5000
• LinkedIn: zilveren-kruis-achmea

Zilveren Kruis, based in Leiden, South Holland, is a health insurance provider that has been operational since 1949. The company offers a variety of insurance products, including basic health insurance, supplementary insurance, and dental coverage. It primarily serves individuals and families in the Netherlands, helping them navigate healthcare costs and access necessary medical services. Zilveren Kruis is part of the Achmea Group, which further solidifies its position in the market. The company actively engages with its customers through initiatives that encourage feedback and collaboration, aiming to enhance the quality of its services. This focus on customer involvement reflects its commitment to adapting to the needs of its policyholders and improving the overall healthcare experience.

16. PacificSource Health Plans

• Website: pacificsource.com
• Ownership type: Private
• Headquarters: Springfield, Oregon, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1933
• Headcount: 1001-5000
• LinkedIn: pacificsource-health-plans

PacificSource Health Plans, based in Springfield, Oregon, is a private health insurance provider that has been operational since 1933. The company offers a comprehensive array of health plans designed for individuals, families, and employers, including specialized services for Medicare and Medicaid recipients. PacificSource is dedicated to delivering accessible healthcare solutions, emphasizing wellness programs that support members in managing their health effectively. The company prides itself on providing personalized service, ensuring that members receive the necessary support for their health needs. With a workforce of approximately 1,199 employees, PacificSource is well-positioned to serve its members across the United States, focusing on community engagement and local healthcare initiatives. Their commitment to quality care and member support is evident in their various programs and resources aimed at enhancing the overall health and well-being of their clients.

17. Mutual of Omaha

• Website: mutualofomaha.com
• Ownership type: Corporate
• Headquarters: Omaha, Nebraska, United States (USA)
• Employee distribution: United States (USA) 99%
• Latest funding: March 2024
• Founded year: 1909
• Headcount: 1001-5000
• LinkedIn: mutual-of-omaha

Mutual of Omaha Insurance Company, founded in 1909 and based in Omaha, Nebraska, is a corporate entity that specializes in insurance and financial services. The company offers a wide array of products, including life insurance, Medicare solutions, long-term care coverage, and various additional insurance options such as disability income and critical illness insurance. With a workforce of over 8,700 employees, Mutual of Omaha serves a significant number of individuals, families, and businesses across the United States. Their commitment to helping clients manage health-related expenses and financial risks is evident in their extensive offerings. The company also provides valuable resources and advice on health and wellness, further enhancing its role in the health insurance sector. Mutual of Omaha's focus on Medicare solutions is particularly noteworthy, as it addresses the needs of an aging population, making it a relevant player in the health insurance market.

18. eHealth, Inc.

• Website: ehealth.com
• Ownership type: Private
• Headquarters: Santa Clara, California, United States (USA)
• Employee distribution: United States (USA) 93%, China 6%
• Founded year: 1997
• Headcount: 1001-5000
• LinkedIn: ehealthinsurance

eHealth, Inc., founded in 1997 and based in Santa Clara, California, is a health insurance provider that specializes in connecting consumers and businesses with a variety of health insurance plans. The company offers Medicare plans, individual and family health insurance, and employer health insurance options. eHealth serves as a platform where users can compare different insurance plans tailored to their specific healthcare needs and budgets. They provide a free service that allows users to access the same plans at the same prices as insurance companies, ensuring no hidden fees or obligations. Their independent benefit advisors assist clients in navigating the complexities of health insurance, making it easier for them to find coverage that fits their requirements. With a workforce of over 2,000 employees, eHealth has established itself as a notable entity in the health insurance market, focusing on customer service and personalized assistance.

19. HBF Health

• Website: hbf.com.au
• Ownership type: Private
• Headquarters: Perth, Western Australia, Australia
• Employee distribution: Australia 100%
• Founded year: 1941
• Headcount: 1001-5000
• LinkedIn: hbf

HBF Health Limited, based in Perth, Western Australia, is a private health insurance provider established in 1941. The company offers a variety of health insurance products tailored to meet the needs of individuals and families. Their offerings include hospital cover, extras cover, and ambulance cover, aimed at helping members manage medical expenses effectively. HBF Health is dedicated to providing affordable healthcare solutions and enhancing member experience through various programs and services. They also support health initiatives for chronic conditions and mental health, demonstrating their involvement in promoting overall well-being. With a workforce of over 900 employees, HBF Health operates solely within Australia, ensuring a localized approach to health insurance.

20. Daman - National Health Insurance Company

• Website: damanhealth.ae
• Ownership type: Private
• Headquarters: Abu Dhabi, Abu Dhabi, United Arab Emirates (UAE)
• Employee distribution: United Arab Emirates 100%
• Founded year: 2006
• Headcount: 1001-5000
• LinkedIn: daman-national-health-insurance

Daman - National Health Insurance Company, based in Abu Dhabi, UAE, is a private health insurance provider established in 2006. With a workforce of approximately 1,739 employees, Daman offers a variety of health insurance plans designed for individuals, families, and businesses. Their product offerings include comprehensive health coverage, emergency travel insurance, and specialized plans for retirees and Golden Visa holders. Daman's commitment to quality healthcare is reflected in its extensive network, which includes around 3,000 hospitals and clinics across the UAE. The company has garnered trust from a significant customer base, serving approximately 3 million individuals. Daman's focus on customer service is evident through its user-friendly online platforms for policy management and claims processing, ensuring that members have easy access to their health insurance needs.

21. Blue Cross Blue Shield of North Dakota

• Website: bcbsnd.com
• Ownership type: Private
• Headquarters: Fargo, North Dakota, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1940
• Headcount: 501-1000
• LinkedIn: blue-cross-blue-shield-of-north-dakota

Blue Cross Blue Shield of North Dakota (BCBSND) is a private health insurance provider based in Fargo, North Dakota. Founded in 1940, the company has established itself as a key player in the health insurance market, offering a range of plans tailored to individuals, families, seniors, and employers. BCBSND provides essential health coverage, including Medicare and Medicaid expansion options, and emphasizes wellness through various health and well-being programs. The company operates with a workforce of approximately 852 employees and maintains a strong local presence with multiple offices across the state. BCBSND is an independent licensee of the Blue Cross Blue Shield Association, which allows it to offer widely accepted coverage that is recognized across the United States. The company is dedicated to enhancing member satisfaction and ensuring access to a broad network of healthcare providers, making it a significant entity in the North Dakota health insurance landscape.

Health Insurance Insights: Key Companies in Puerto Rico

Company	Headquarter	Size	Founded	Ownership
UnitedHealthcare	Minnetonka, Minnesota, United States (USA)	10001+	1977	Private
Health Net	Los Angeles, California, United States (USA)	1001-5000	1979	Corporate
Health Care Service Corporation	Chicago, Illinois, United States (USA)	10001+	1936	Private
NotreDame Intermédica	Sao Paulo, Sao Paulo, Brazil	10001+	1968	Private
Florida Blue	Jacksonville, Florida, United States (USA)	5001-10000	2001	Private
Medical Mutual	Cleveland, Ohio, United States (USA)	1001-5000	1934	Private
Vitality	London, England, United Kingdom (UK)	1001-5000	2004	Private
Vhi	Kilkenny, Kilkenny, Ireland	1001-5000	1957	Private
Regence BlueCross BlueShield of Oregon	Portland, Oregon, United States (USA)	5001-10000	1991	Private
Amil	Sao Paulo, Sao Paulo, Brazil	10001+	1978	Corporate
Sanitas Krankenversicherung	Zurich, Zurich, Switzerland	501-1000	1958	Private
Medica	Minnetonka, Minnesota, United States (USA)	1001-5000	1975	Corporate
Wellmark Blue Cross and Blue Shield	Des Moines, Iowa, United States (USA)	1001-5000	1939	Private
Blue Cross and Blue Shield of Kansas	Topeka, Kansas, United States (USA)	1001-5000	1942	Private
Zilveren Kruis	Leiden, South Holland, Netherlands	1001-5000	1949	Private
PacificSource Health Plans	Springfield, Oregon, United States (USA)	1001-5000	1933	Private
Mutual of Omaha	Omaha, Nebraska, United States (USA)	1001-5000	1909	Corporate
eHealth, Inc.	Santa Clara, California, United States (USA)	1001-5000	1997	Private
HBF Health	Perth, Western Australia, Australia	1001-5000	1941	Private
Daman - National Health Insurance Company	Abu Dhabi, Abu Dhabi, United Arab Emirates (UAE)	1001-5000	2006	Private
Blue Cross Blue Shield of North Dakota	Fargo, North Dakota, United States (USA)	501-1000	1940	Private

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