Skip to main content
States Procedures Methodology Search
State Price Transparency Index 22 Mapped Hospitals 74 Shoppable Procedures −23% vs. U.S. Median (below the U.S. average)

Puerto Rico Hospital Rates

Compare cash discount rates, commercial insurance prices, and fair price benchmarks across all 22 Puerto Rico hospitals.

Pillar 1 · The BaseRate™ CompositeHow 1.00× Fair BaseRate Works: Raw price averages unfairly penalize hospitals in high-wage cities or trauma centers treating sicker patients. We adjust for local CMS hospital wage levels and patient complexity first. A 1.00× score means right at the fair price average, 0.85× means 15% cheaper than fair market, and 1.30× means 30% above fair market.Good Deal · Below Fair Market
0.77×vs. U.S. Fair Price Average
Position vs. 1.00× Fair Price23% Below Fair Price 1.00× (center of the bar) is the U.S. fair price average after accounting for local hospital wages and patient complexity. Left of center (<1.00×) is below fair price; right of center (>1.00×) is above fair price.

Across 22 Puerto Rico hospitals, typical commercial prices average 23% below the U.S. fair price (0.77×) after accounting for local wages.

Pillar 2 · VeriRate™ Data TrustHow VeriRate™ (0–100) Works: Hospitals are legally required to publish machine-readable price files, but some bury fake $0.01 numbers or omit cash discounts. VeriRate audits each file across 5 checks (hover any badge below to see what it tests).86/100 · Verified
86/100Hover Any Check Below to See How Prices Were Audited
File Completeness90Provenance (File Completeness): Checks whether the hospital published a complete, up-to-date machine-readable price file with valid CPT and MS-DRG billing codes instead of leaving blanks.
Price Logic88Coherence (Price Logic): Checks whether the hospital’s numbers make basic sense — e.g., self-pay cash price is lower than gross list price, with no fake $0.01 or $999,999 placeholder numbers.
Peer Alignment86Concordance (Peer Alignment): Checks whether reported prices sit in a realistic range compared to Medicare and nearby hospitals rather than wild 100× unit errors.
Clean Billing83Regularity (Clean Billing): Checks whether rates are structured consistently across procedures without erratic statistical spikes or hidden unbundled facility fees.
Real Cash Discount84Cash Honesty (Real Cash Discount): Checks whether the hospital offers a genuine self-pay cash discount that beats or matches commercial insurance rates instead of billing full sticker price.
Pillar 3 · Puerto Rico Market & Best ValueSummarizes statewide hospital price coverage across Puerto Rico, the average commercial markup over federal Medicare rates, and the #1 best-value hospital in the state.22 Hospitals · 74 Procedures
Hospitals Priced22 in PRTotal hospitals in Puerto Rico with verified machine-readable price disclosures indexed in the Crystal.
Avg vs. Medicare1.1× MedicareAverage commercial insurance negotiated rate across Puerto Rico hospitals compared to what federal Medicare pays for the same procedure.
Best Value in PR0.42× FairLowest confounder-adjusted hospital in Puerto Rico: Caribbean Medical Center (Fajardo) at 0.42× fair market price.

Most affordable Puerto Rico hospital: Caribbean Medical Center (Fajardo) at 0.42× the fair price (58% below benchmark).

Statewide Hospital Pricing Fingerprint22 Puerto Rico Hospitals Analyzed

Puerto Rico Statewide Hospital Pricing Summary

Across 22 reporting hospitals and 74 shoppable procedures in Puerto Rico, typical commercial insurance rates sit at 0.77× the U.S. fair price average (1.1× federal Medicare rates). However, prices vary by 3.2× across the state — from 0.42× fair price at the most affordable hospitals up to 1.33× at high-markup facilities.

State Price Index: 0.77× U.S. Fair AverageAvg Commercial Rate: 1.1× Medicare
Advantage

Best Value in Puerto Rico (Lowest-Priced Hospitals & Patient Edge)

  • Best-value hospital in Puerto Rico: Caribbean Medical Center (Fajardo) prices care at 0.42× the fair price benchmark.
  • Additional low-cost leaders include Presbyterian Community Hospital (San Juan, 0.73× fair) and Hospital General De Castaner (0.77× fair).
  • Bottom-quartile Puerto Rico hospitals (Q25) charge 0.95× the fair price or less — comparing quotes before scheduling elective care saves 25%–45%.
  • Nonprofit 501(c)(3) hospitals across Puerto Rico must provide free or discounted charity care under federal 26 U.S.C. § 501(r) income rules.
Watchout

Where Puerto Rico Patients Get Burned (High-Markup Traps)

  • Highest-markup Puerto Rico facilities reach 1.4× Medicare (Doctors Center Hospital Orlando Health Dorado in Dorado, Doctors' Center Bayamon).
  • Prices for the exact same procedure swing 3.2× between the lowest-priced (0.42×) and highest-priced (1.33×) hospitals in Puerto Rico.
  • Emergency room, lab, and outpatient surgery facility fees carry significantly higher markups than pre-scheduled imaging or freestanding centers.
Most Affordable PR Hospitals (Bottom 25%)Best Value Tier
0.42× – 0.95× Fair

Led by Caribbean Medical Center (Fajardo) at 0.42× fair price.

Typical Puerto Rico Hospital (State Median)1.1× Medicare
1.09× Fair Price

Middle-of-the-pack commercial rate across all 22 Puerto Rico hospitals.

Highest-Markup PR Hospitals (Top 25%)3.2× State Spread
1.26× – 1.33× Fair

Highest-priced quarter of Puerto Rico hospitals where shopping around saves the most.

Puerto Rico County Price & Affordability Heatmap 8 of 78 Counties with MRF Hospital Data

Puerto Rico County-Level Hospital Price & Affordability Heatmap

Hospital price index, Medicare markup, and household affordability burden across 78 counties in Puerto Rico

<0.94× Affordable 0.94–1.06× Near Avg 1.06–1.20× Elevated >1.20× High-Markup
San Juan Municipio6hosps
1.05× Fair
Income $27k
Arecibo Municipio2hosps
1.13× Fair
Income $23k
Fajardo Municipio1hosp
0.42× Fair
Income $25k
Lares Municipio1hosp
0.77× Fair
Income $19k
Ponce Municipio1hosp
0.92× Fair
Income $19k
Mayagüez Municipio1hosp
1.17× Fair
Income $18k
Dorado Municipio1hosp
1.28× Fair
Income $33k
Aguadilla Municipio1hosp
1.29× Fair
Income $20k
Bayamón Municipio0hosps
0.77× Fair
Income $31k
Carolina Municipio0hosps
0.77× Fair
Income $35k
Caguas Municipio0hosps
0.77× Fair
Income $30k
Guaynabo Municipio0hosps
0.77× Fair
Income $46k
Toa Baja Municipio0hosps
0.77× Fair
Income $30k
Trujillo Alto Municipio0hosps
0.77× Fair
Income $39k
Toa Alta Municipio0hosps
0.77× Fair
Income $33k
Vega Baja Municipio0hosps
0.77× Fair
Income $24k
Humacao Municipio0hosps
0.77× Fair
Income $26k
Cabo Rojo Municipio0hosps
0.77× Fair
Income $26k
Río Grande Municipio0hosps
0.77× Fair
Income $27k
Juana Díaz Municipio0hosps
0.77× Fair
Income $24k
Isabela Municipio0hosps
0.77× Fair
Income $20k
Canóvanas Municipio0hosps
0.77× Fair
Income $27k
Cayey Municipio0hosps
0.77× Fair
Income $28k
Gurabo Municipio0hosps
0.77× Fair
Income $40k
Showing top 24 counties with hospital price filings of 78 total in Puerto Rico

All Hospitals in Puerto Rico (22)

Ranked by how their commercial prices compare to the fair BaseRate — best value first. Select any hospital to inspect its full procedure price list.

Sort:

Compare Prices by Procedure in Puerto Rico (74)

High-impact surgeries, scans, and hospital stays are listed first with the typical Puerto Rico price. Search any procedure below.

Browse Puerto Rico by Metro Area

Local hospital comparison pages for each Puerto Rico regional market.

Which Insurers Negotiate Prices in Puerto Rico

Across the 22 Puerto Rico hospitals that publish negotiated rates, here is how many hospitals each major insurance carrier has an in-network contract with.

Humana 19 of 22 hospitals
Cigna 8 of 22 hospitals
UnitedHealthcare 5 of 22 hospitals
Aetna 3 of 22 hospitals

Also negotiating in Puerto Rico: WellCare (1).

Prices are sourced from each hospital's federally-required public price file, most recently published October 2026. The BaseRate is a modeled fair-price estimate — not a bill or quote. How we build these numbers →