Healthcare is one of the categories people research the least before moving and worry about the most once they arrive. The good news is that private healthcare in Paraguay's larger cities is generally accessible and far less expensive than equivalent care in the U.S. — but "accessible" only holds true if you understand how the system is structured before you need it.
Public vs. private care
Paraguay has a public health system, but most relocators — especially those without permanent residency yet — rely on private clinics and hospitals, particularly in Asunción, Encarnación, and Ciudad del Este. Private care tends to be more consistent in wait times, English-speaking staff availability, and facility quality, though this varies by city and clinic.
Insurance options
Local private insurance plans are available through several Paraguayan insurers and are often significantly cheaper than U.S.-based international health plans, though coverage details, exclusions, and network hospitals differ plan to plan. It is worth comparing at least two or three providers rather than signing up with the first one you're referred to.
International health insurance (purchased before you move) is another route many relocators use for the first several months, especially while residency paperwork is still in process. This tends to be more expensive but offers continuity if you're not yet confident which local plan fits your situation.
What to actually budget for
- Routine visits and prescriptions are generally affordable out-of-pocket even without insurance, which surprises many newcomers used to U.S. pricing.
- Emergency care and specialist visits are where insurance matters most — these costs can add up quickly without coverage.
- Pharmacies are widely available in cities, and many common medications are available over the counter that would require a prescription in the U.S. — worth confirming with a local pharmacist rather than assuming.
Finding care as a newcomer
Word of mouth matters here more than online reviews. Expat community groups (see our Community Hub) are often the fastest way to get a recommendation for a doctor who speaks English or has experience working with foreign patients, particularly for anything beyond routine care.
The overall picture: healthcare here is not something to fear, but it does require the same due diligence you'd apply to housing or banking — comparing real options rather than assuming the first plan or clinic you hear about is representative of all of them.