A despesa não assistencial das operadoras de planos de saúde médico-hospitalares do Brasil no período de 2011 a 2019 e a influência do porte na solvência e competitividade destas empresas

Abstract

This study aims to analyze the non-medical expenses of medical-hospital health plan operators in Brazil from 2011 to 2019 and the influence of size on competitiveness. To achieve this objective, a literature review was conducted on the Supplemental Health Sector and its challenges, Health Plan Operators, and non-medical expenses. The ANS TabNet database was utilized as a fundamental source for the research. Basic statistical data was employed to summarize the information, develop descriptive statistics, apply regressions, and perform estimations. Economic-financial indicators such as Gross Profit Margin, Claims Ratio, Marketing Expense Ratio, Administrative Expense Ratio, and Combined Ratio were calculated. The results of the study revealed the key to the profitability of large medical-hospital health plan operators, demonstrating that non-medical expenses related to the maintenance of the operators' administrative operations tend to be diluted as the beneficiary base increases, making larger operators more profitable.