EVOLUTION OF MEDICAL AND HOSPITAL COSTS OF PRIVATE HEALTH CARE PLANS IN BRAZIL/EVOLUCAO DOS CUSTOS MEDICO-HOSPITALARES DEE PLANOS PRIVADOS DE ASSISTENCIA A SAUDE NO BRASIL

Brazil has achieved a national coverage rate of medical private health plans around 24.5% in June of 2017 (47,383,248). However, it has been observed a slowdown tendency of number of customers, comparing Dec / 2012 (50,409,378). This research reports the evolution of costs in Brazilian healthcare private operators (benefits manager, self-management, medical cooperative, philanthropy, health insurance specialist and group medicine) between 2003 and 2016, from the perspective of the average cost variation and of the resource and services utilization rate. The public data were obtained from websites of the Institute of Supplementary Health Studies (IESS), the National Agency of Supplemental Health (ANS) and the Institute of Applied Economic Research (IPEA). In this period, it was found that the growth of medical inflation in Brazil was higher than the general inflation and that resource and service utilization rates remain at high levels (geometric mean of 81.87%). This indicates that there is an increase in the average cost along with the increase in production. Keywords: Costs. Resource and Services Utilization Rate. Healthcare Private Assistance 0 Brasil alcancou uma taxa de cobertura nacional de planos de saude privados de assistencia medica em torno de 24,5% em junho de 2017 (47.383.248). Entretanto, se observa uma queda de 6,4% no numero de beneficiarios em relacao dez/2014 (50.409.378). Esta pesquisa analisa a evolucao dos custos das operadoras medico-hospitalares brasileiras de planos privados de assistencia a saude (administradora de beneficios, autogestao, cooperativa medica, filantropia, seguradora especializada em saude e medicina de grupo) no periodo entre 2003 e 2016, sob a perspectiva das variacoes do custo medio e da sinistralidade (taxa de utilizacao de recursos e de servicos). Foram usados dados publicos disponiveis nas paginas eletronicas do Instituto de Estudos de Saude Suplementar (IESS), da Agencia Nacional de Saude e do Instituto de Pesquisas Economicas Aplicadas (IPEA). Neste periodo se observou que o crescimento da inflacao medica no Brasil foi superior a inflacao geral e que a sinistralidade permanece em niveis elevados (media geometrica de 81,87%). Isto e, houve um crescimento do custo medio junto com a producao. Palavras-chave: Custos. Sinistralidade. Operadora Medico-Hospitalar