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Expats in Panama offer 8 important tips about healthcare and health insurance in Panama. While the quality of healthcare varies, there are world class doctors and facilities throughout Panama. Health insurance is much less expensive in Panama. Doctors visits (with and without insurance) are very affordable. The one negative seems to be that medications can be more expensive that in the U.S. Despite these pros and cons, many expats mentioned that people have healthier lifestyles in Panama - cleaner air, cleaner water, fresh produce and less stress.