Relação entre o porte das operadoras de planos de saúde e indicadores econômico-financeiros : uma análise dos grupos Autogestão, Cooperativas Médicas e Mercado

Abstract

This study, a continuation of Magalhães (2024), “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”, examines the relationship between the size of Brazilian medical-hospital health insurance operators and key economic-financial indicators: NonHealthcare Expenses (DA+DC), Gross Profit Margin (MLB), Loss Ratio (DM), and Combined Ratio (COMB). The analysis focuses on three groups of operators—Self-management, Medical Cooperatives, and Market—covering the period from 2011 to 2019, based on consolidated data from Magalhães (2024). The methodology included descriptive statistics, hypothesis testing (Levene, ANOVA, and Welch), and Multiple Linear Regression. Findings indicate that operator size is associated only with Non-Healthcare Expenses in the Self-management and Medical Cooperative groups. For Gross Profit Margin, Loss Ratio, and Combined Ratio, results suggest that differences among groups explain the observed variations more than operator size.