Healthcare in Costa Rica 2026: system, quality & insurance
The famed 'Caja' public system plus cheap private care — a retiree magnet.
Costa Rica is renowned for the Caja (CCSS), a universal public system residents pay into, plus affordable, high-quality private hospitals in San José. It's a top retiree destination on the strength of accessible, low-cost care. Private treatment costs a fraction of US prices.
Healthcare in Costa Rica: the public system
Costa Rica's Caja Costarricense de Seguro Social (CCSS, the 'Caja') is a universal public system; legal residents enrol and pay income-based monthly contributions, gaining broad coverage. It's a big reason the country ranks highly for retirement, though public waits push many to also use private care.
Private care and insurance
Private hospitals in and around San José (some internationally accredited) offer high-quality care at a fraction of US costs, fuelling medical tourism. Many residents combine mandatory Caja enrolment with private insurance for speed and choice.
At a glance
| Item | Detail |
|---|---|
| Public system | Caja / CCSS (universal) |
| Private care | High quality, affordable |
| Insurance for a visa? | Caja enrolment for residents |
| Quality | High in San José |
| Typical cost | Very low vs the US |
Where it fits in a borderless plan
Accessible care makes Costa Rica a retiree magnet. Healthcare is one of the practical pillars of actually living somewhere. Weigh it with schooling, banking, and where you are tax-resident. Compare systems in our healthcare-abroad guide.
Frequently asked questions
Is healthcare in Costa Rica good for expats?
Care quality: High in San José. Private options are high quality, affordable. Standards vary by city and facility — research specific hospitals for your needs.
Do I need health insurance to get residency in Costa Rica?
Caja enrolment for residents. Insurance and visa rules change regularly, so confirm the exact requirement for your visa category before applying.
How much does healthcare cost in Costa Rica?
Typical cost: Very low vs the US. Actual premiums depend on age, coverage and pre-existing conditions — get quotes for your situation.
Directories & official sources
Providers and rules change — these are the authoritative directories and regulators to check for current, complete listings:
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