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Best Health Insurance in Colombia

6 insurers ranked and reviewed · Updated May 2026

Sources:La RepublicaLaNota.comAnuario Latam Seguros

Healthcare System Overview

Colombia has a universal health insurance system established by Law 100 of 1993, divided into two regimes: the Contributory Regime for formal workers and the Subsidized Regime for low-income populations. Health insurance is delivered through EPS (Entidades Promotoras de Salud), which function as managed-care organizations. All 51.7 million Colombians are covered. The system is undergoing significant restructuring in 2025-2026, with several EPS being intervened or liquidated by the government.

#1

EPS SURA

EPS y Medicina Prepagada Suramericana S.A.

private5.3M members
88Score
La Republica: Best EPS Quality(2026)
★★★★☆4.3satisfactionFinancial strength: Grupo SURA (publicly traded)

Affiliates

~5.3 million

Parent Group

Grupo SURA

Quality Rank

Best EPS for service quality

  • Part of Grupo SURA — one of Latin America's largest financial conglomerates
  • Widely considered the best-quality EPS in Colombia
  • Strong Antioquia/Medellin base with national presence
  • Integrated with Suramericana insurance ecosystem
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#2

Nueva EPS

Nueva EPS S.A.

private10.9M members
80Score
La Republica: #1 EPS by Affiliates(2026)
★★★☆☆3.3satisfaction

Affiliates

~10.89 million

Market Share

21%

Municipalities

1,117

  • Largest EPS in Colombia by far with 10.89M affiliates
  • Presence in 1,117 municipalities — most extensive coverage
  • Handles both contributory and subsidized regimes
  • Only EPS available in 45% of municipalities after 2026 restructuring
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#3

EPS Sanitas

EPS Sanitas (Keralty/Colsanitas group)

private5.7M members
75Score
LaNota: Clinical Quality Recognition(2026)
★★★☆☆3.7satisfactionFinancial strength: Keralty group

Affiliates

~5.7 million (4.3M contributory + 1.4M subsidized)

Parent Group

Keralty international

Own Clinics

Clinica Colsanitas, Clinica Reina Sofia

  • Part of Keralty international healthcare group
  • Owns Clinica Colsanitas and Clinica Reina Sofia
  • Vertically integrated care delivery model
  • Covers both contributory and subsidized regimes
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#4

Salud Total EPS

Salud Total S.A. EPS

private4.0M members
70Score
La Republica: 4th Largest EPS(2026)
★★★☆☆3.5satisfaction

National Rank

4th largest

Clinical Origin

Clinicas Virrey Solis

Regime

Contributory

  • Originated from Clinicas Virrey Solis clinical care network
  • Strong Bogota presence and regional networks
  • Clinical heritage gives care quality focus
  • Significant contributory regime presence
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#5

Famisanar EPS

Famisanar EPS (Cafam/Colsubsidio joint venture)

private2.5M members
65Score
LaNota: Top EPS Entity(2026)
★★★☆☆3.5satisfactionFinancial strength: Cafam + Colsubsidio

Parent Entities

Cafam + Colsubsidio

Corporate Channel

Strong

Regime

Contributory

  • Joint venture of Cafam and Colsubsidio compensation funds
  • Strong employer/corporate channel for enrollment
  • Integrated with family compensation fund benefits
  • Bogota/Cundinamarca regional strength
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#6

Coosalud EPS

Cooperativa de Salud y Desarrollo Integral Zona Sur Oriental de Cartagena

statutory3.2M members
62Score
La Republica: 5th Largest EPS(2026)
★★★☆☆3.2satisfaction

Affiliates

~3.2 million

Structure

Cooperative

Primary Regime

Subsidized (2.9M) + Contributory

  • Cooperative structure with community-oriented mission
  • Second largest subsidized regime EPS in Colombia
  • Fifth largest EPS overall with 3.2M affiliates
  • Strong Caribbean/Atlantic coast presence
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About Health Insurance in Colombia

Colombia has a universal health insurance system established by Law 100 of 1993, divided into two regimes: the Contributory Regime for formal workers and the Subsidized Regime for low-income populations. Health insurance is delivered through EPS (Entidades Promotoras de Salud), which function as managed-care organizations. All 51.7 million Colombians are covered. The system is undergoing significant restructuring in 2025-2026, with several EPS being intervened or liquidated by the government.

Our editorial team has evaluated and ranked the top 6 health insurers in Colombia based on editorial ratings from trusted sources, customer satisfaction, financial strength, and coverage quality. Rankings are updated regularly to reflect the latest market changes.

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