Evaluation of the economic-financial condition of brazilian health insurance operators: a note on finance and regulation

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Purpose: This study aims to evaluate the economic and financial performance of Brazilian health insurance companies and to investigate possible sources of relative variations in the rates studied. The article also discusses the issue of regulation based on the economic and financial analysis of the...

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Principais autores: Rocha, Carlos Henrique, Silva, Gladston Luiz da, Britto, Paulo Augusto Pettenuzzo de
Formato: Online
Idioma:por
Publicado em: Portal de Periódicos Eletrônicos da UFRN
Endereço do item:https://periodicos.ufrn.br/ambiente/article/view/24033
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institution Periódicos UFRN
collection Portal de Pediódicos Eletrônicos da UFRN
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format Online
author Rocha, Carlos Henrique
Silva, Gladston Luiz da
Britto, Paulo Augusto Pettenuzzo de
spellingShingle Rocha, Carlos Henrique
Silva, Gladston Luiz da
Britto, Paulo Augusto Pettenuzzo de
Evaluation of the economic-financial condition of brazilian health insurance operators: a note on finance and regulation
author_facet Rocha, Carlos Henrique
Silva, Gladston Luiz da
Britto, Paulo Augusto Pettenuzzo de
author_sort Rocha, Carlos Henrique
title Evaluation of the economic-financial condition of brazilian health insurance operators: a note on finance and regulation
title_short Evaluation of the economic-financial condition of brazilian health insurance operators: a note on finance and regulation
title_full Evaluation of the economic-financial condition of brazilian health insurance operators: a note on finance and regulation
title_fullStr Evaluation of the economic-financial condition of brazilian health insurance operators: a note on finance and regulation
title_full_unstemmed Evaluation of the economic-financial condition of brazilian health insurance operators: a note on finance and regulation
title_sort evaluation of the economic-financial condition of brazilian health insurance operators: a note on finance and regulation
description Purpose: This study aims to evaluate the economic and financial performance of Brazilian health insurance companies and to investigate possible sources of relative variations in the rates studied. The article also discusses the issue of regulation based on the economic and financial analysis of the regulated entities. Methodology: This is an empirical-analytical study, with analysis and statistical inference of secondary data. The methodological basis of the article comprises standardized economic-financial indicators, indicators adapted to the operational specificities of health plan operators and testing of multiple amplitudes. The panel database was elaborated from information published by the National Supplementary Health Agency and comprises a sample containing the fourteen largest health plan operators in operation in Brazil. Results: It was concluded that the health plan operators analyzed are well positioned in economic and financial terms. It was also concluded that the form of business organization, the relative size and the regional market of the operator have a significant influence on the performance of health plan operators. This time, it is possible to discuss whether the current model of supplementary health regulation in Brazil is adequate to achieve the objective of continuing the service under tariff modality. Contributions of the Study: With regard to contributions, the article demonstrates that a relatively simple technique can contribute to both the regulatory process and the evaluation of regulation. In particular, it also contributes by showing that health plan operators in Brazil are well positioned in economic-financial terms, raising the discussion of the current model of regulation of supplementary health in Brazil regarding the objectives of continuity of service under tariff modality.
publisher Portal de Periódicos Eletrônicos da UFRN
publishDate 2022
url https://periodicos.ufrn.br/ambiente/article/view/24033
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spelling oai:periodicos.ufrn.br:article-240332023-01-18T22:48:12Z Evaluation of the economic-financial condition of brazilian health insurance operators: a note on finance and regulation Evaluación de la situación económico-financiera de los operadores brasileños de seguros de salud: una nota dobre finanzas y regulación Avaliação da condição econômico-financeira de operadoras brasileiras de planos de saúde: uma nota sobre finanças e regulação Rocha, Carlos Henrique Silva, Gladston Luiz da Britto, Paulo Augusto Pettenuzzo de Indicadores Econômico-Financeiros Saúde Suplementar Operadoras de Panos de Saúde Teste das Amplitudes Múltiplas de Duncan Agência Nacional de Saúde Suplementar Avaliação econômico-financeira ´índices econômico-financeiros Teste das amplitudes múltiplas Operadoras de planos de saúde Finanças e regulação Purpose: This study aims to evaluate the economic and financial performance of Brazilian health insurance companies and to investigate possible sources of relative variations in the rates studied. The article also discusses the issue of regulation based on the economic and financial analysis of the regulated entities. Methodology: This is an empirical-analytical study, with analysis and statistical inference of secondary data. The methodological basis of the article comprises standardized economic-financial indicators, indicators adapted to the operational specificities of health plan operators and testing of multiple amplitudes. The panel database was elaborated from information published by the National Supplementary Health Agency and comprises a sample containing the fourteen largest health plan operators in operation in Brazil. Results: It was concluded that the health plan operators analyzed are well positioned in economic and financial terms. It was also concluded that the form of business organization, the relative size and the regional market of the operator have a significant influence on the performance of health plan operators. This time, it is possible to discuss whether the current model of supplementary health regulation in Brazil is adequate to achieve the objective of continuing the service under tariff modality. Contributions of the Study: With regard to contributions, the article demonstrates that a relatively simple technique can contribute to both the regulatory process and the evaluation of regulation. In particular, it also contributes by showing that health plan operators in Brazil are well positioned in economic-financial terms, raising the discussion of the current model of regulation of supplementary health in Brazil regarding the objectives of continuity of service under tariff modality. Objetivo: Este estudio tiene como objetivo evaluar el desempeño económico y financiero de las compañías de seguros de salud brasileñas e investigar posibles fuentes de variaciones relativas en las tasas estudiadas. El artículo también analiza el tema de la regulación con base en el análisis económico y financiero de las entidades reguladas. Metodología: Se trata de un estudio empírico-analítico, con análisis e inferencia estadística de datos secundarios. La base metodológica del artículo comprende indicadores económico-financieros estandarizados, indicadores adaptados a las especificidades operativas de los operadores de planes de salud y pruebas de múltiples amplitudes. La base de datos del panel se elaboró a partir de información publicada por la Agencia Nacional de Salud Complementaria y comprende una muestra que contiene los catorce mayores operadores de planes de salud en funcionamiento en Brasil. Resultados: Se concluyó que los operadores de planes de salud analizados se encuentran bien posicionados en términos económicos y financieros. También se concluyó que la forma de organización empresarial, el tamaño relativo y el mercado regional del operador tienen una influencia significativa en el desempeño de los operadores de planes de salud. En esta ocasión, es posible discutir si el modelo actual de regulación complementaria en salud en Brasil es adecuado para lograr el objetivo de continuar el servicio bajo modalidad tarifaria.  Contribuciones del Estudio: Con respecto a las contribuciones, el artículo demuestra que una técnica relativamente simple puede contribuir tanto al proceso regulatorio como a la evaluación de la regulación. En particular, también contribuye al mostrar que los operadores de planes de salud en Brasil están bien posicionados en términos económico-financieros, lo que plantea la discusión del modelo actual de regulación de la salud complementaria en Brasil sobre los objetivos de continuidad del servicio bajo la modalidad tarifaria. Objetivo: Este estudo objetiva avaliar o desempenho econômico-financeiro de operadoras brasileiras de planos de saúde e investigar possíveis fontes de variações relativas dos índices estudados. O artigo discute, ainda, a questão da regulação a partir da análise econômico-financeira dos entes regulados. Metodologia: Trata-se de estudo empírico-analítico, com análise e inferência estatística de dados secundários. A base metodológica do artigo compreende indicadores econômico-financeiros padronizados, indicadores adaptados às especificidades operacionais das operadoras de planos de saúde e teste das amplitudes múltiplas. A base de dados em painel foi elaborada a partir de informações publicadas pela Agência Nacional de Saúde Suplementar e compreende uma amostra contendo as catorze maiores operadoras de planos de saúde em operação no Brasil. Resultados: Concluiu-se que as operadoras de planos de saúde analisadas estão bem posicionadas em termos econômico-financeiros. Conluiu-se, ainda, que a forma de organização empresarial, o tamanho relativo e o mercado regional da operadora têm influência significante sobre o desempenho das operadoras de planos de saúde. Desta feita, é possível se discutir se o modelo atual de regulação da saúde suplementar no Brasil é adequado para se atingir o objetivo de continuidade do serviço sob modicidade tarifária. Contribuições do Estudo: No que tange às contribuições, o artigo demonstra que uma técnica relativamente simples pode contribuir tanto para o processo regulatório como da avaliação da regulação. Em particular, contribui ainda ao evidenciar que as operadoras de planos de saúde no Brasil estão bem posicionadas em termos econômico-financeiros, levantando a discussão do modelo atual de regulação da saúde suplementar no Brasil quanto aos objetivos de continuidade do serviço sob modicidade tarifária. Portal de Periódicos Eletrônicos da UFRN 2022-01-05 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://periodicos.ufrn.br/ambiente/article/view/24033 REVISTA AMBIENTE CONTÁBIL - Universidade Federal do Rio Grande do Norte; Vol. 14 No. 1 (2022): Jan./Jun.; 131-151 REVISTA AMBIENTE CONTÁBIL - Universidade Federal do Rio Grande do Norte; Vol. 14 Núm. 1 (2022): Jan./Jun.; 131-151 REVISTA AMBIENTE CONTÁBIL - Universidade Federal do Rio Grande do Norte - ISSN 2176-9036; v. 14 n. 1 (2022): Jan./Jun.; 131-151 2176-9036 10.21680/2176-9036.2022v14n1 por https://periodicos.ufrn.br/ambiente/article/view/24033/15280 Copyright (c) 2022 REVISTA AMBIENTE CONTÁBIL - Universidade Federal do Rio Grande do Norte - ISSN 2176-9036 http://creativecommons.org/licenses/by-nc-sa/4.0

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