Comportamento dos planos de saúde privados no Brasil: papel e estrutura

Abstract

Brazil has a health system composed of a mix of public and private services, the public system has universal coverage and is called the Unified Health System (SUS), which defends health as a universal right of all citizens and transfers the responsibility to the state. However, the public - private system favors doubling the coverage of health services offered to those individuals who have a privately contracted health plan or insurance. After regulation, the supplementary health market has undergone significant changes in the way it operates, one of the main changes being the use of strategies to minimize risks to health insurance operators. Thus, the objectives of this study are related to the investigation of moral hazards and information asymmetry, as well as to highlight the importance of this sector in the country's economy. Through the bibliographic search, it was possible to demonstrate the occurrence and identification of these risks, as well as to demonstrate the financial importance of this sector, which accounts for approximately 10% of the Gross Domestic Product (GDP) in Brazil, being higher than the agricultural and construction sector. Finally, it is observed that the assessment of health status and the type of service used are necessary to help the regulation of health plans and avoid duplication of care, as well as it was possible to observe that the SUS needs greater investments in health. resources to be effective, so it should be noted that the latter would receive greater financial support if tax incentives and income tax deductions were no longer directed to the private sector but instead directed to the public health system.