Since the beginning of 2020, the number of members affiliated with private health insurance companies (ISAPREs) has consistently decreased each month, reaching 2,448,783 beneficiaries (the sum of contributors and dependents) in December 2025, a decrease of nearly 900,000 in six years.
This has occurred in a context where formal employment in the country has been struggling since the pandemic. However, in addition to this, the ISAPREs have increased the prices of their health plans, which caused many members who could no longer afford them to switch to the public health system, Fonasa.
There is also an additional factor. This exodus occurred after two rulings issued by the Supreme Court in 2022, which created uncertainty within the industry and raised doubts about whether the ISAPREs could continue to exist. As a result, the sector came to a standstill: insurance companies stopped investing, ceased recruiting new members, reduced hiring and increased layoffs, and focused all their efforts on trying to keep operations afloat until a solution could be found.
Therefore, after the implementation of the short-term law for ISAPREs, which allowed the industry to regain financial stability, the ISAPREs in 2025 began actively recruiting salespeople to attract new members and try to win back those who had left.
And they are constantly expanding their sales force. This is reflected in what happened at the end of 2025: the industry incorporated 1,355 salespeople, ...
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Since the beginning of 2020, the number of members affiliated with private health insurance companies (ISAPREs) has steadily declined each month. By December 2025, this number reached 2,448,783 beneficiaries (including those covered by dependents), a decrease of nearly 900,000 in six years. This decline occurred against a backdrop of sluggish formal employment in the country due to the pandemic. Simultaneously, ISAPREs raised their health plan prices, forcing many members who could no longer afford them to switch to the public healthcare system (Fonasa).
An additional factor contributing to this trend was a series of rulings by the Supreme Court in 2022. These rulings created uncertainty about the future of the ISAPRE industry, leading to a paralysis within the sector. Insurance companies stopped investing, ceased recruiting new members, reduced hiring and increased layoffs, and focused on maintaining operations until a solution could be found.
Following the implementation of a short-term law aimed at restoring financial stability to the ISAPRE industry in 2025, the companies began actively recruiting salespeople to attract new members and win back those who had left. Their sales force has been steadily expanding.
As of the end of 2025, the industry added 1,355 salespeople, bringing the total to 3,911, the highest level since December 2021. This represents a 53% increase in just twelve months. Furthermore, ISAPREs employed a total of 8,245 workers at the end of last year, the highest level in four years, representing a 22.5% year-over-year increase, or 1,515 additional employees.
Despite the significant hiring of salespeople, ISAPREs have yet to halt the decline in membership that began in February 2020. This downward trend continued until January 2026, although the rate of decline has slowed.
Currently, ISAPREs are focused on attracting more members, expanding their customer base, and appealing to younger individuals to balance their demographics. This involves rehiring salespeople, increasing advertising, investing in service improvements, and addressing member concerns about the industry's stability. It also includes rethinking their offerings by introducing new health plans.
In 2025, open ISAPREs operating in the country achieved their best results in five years, reporting nominal profits of $14.142 billion, a level not seen since 2020, when the pandemic began and the industry generated $82.548 billion in profits, amidst a period when people postponed healthcare services.
This positive result for private health insurance companies in 2025 reflects the first full-year assessment following the implementation of the short-term ISAPRE law, and it contrasts with the losses of $100.691 billion recorded in 2024.
However, despite the profits achieved at the end of last year, the operational result remains negative, at -$12.445 billion in 2025.
**ISAPREs with the Largest Sales Force Increases:**
Cruz Blanca experienced the largest increase in its sales force last year. After completely eliminating its sales force in December 2022, the company, controlled by the British group Bupa, rehired and added 408 salespeople, bringing the total to 412 by the end of the year.
Banmédica was the second ISAPRE with the largest increase in its sales force, adding 330 salespeople to reach a total of 871, making it the largest sales force in the industry in 2025, surpassing Nueva Masvida, which ranked second with 791 salespeople.
Consalud increased its sales force by 155 executives, reaching a total of 754.
Colmena hired 131 additional employees, bringing the total to 674.
Vida Tres recruited 71 people, reaching a total of 205.
Esencial hired 84 executives, totaling 204 by the end of 2025.