Health plans market fears deterioration in numbers – 03/19/2023 – Panel SA
Executives in the health plan market report fears of a further deterioration in the sector’s numbers in the coming months, in the face of a scenario with a high loss ratio, increased spending on medicines, effects of the change in the tax list and the perspective of the new floor of the nursing on bills.
The ANS (National Supplementary Health Agency) denies the risk of breakage. He says that regulation has ballast to guarantee the financial security of the market. But the sector sees a history of alertness.
Last year, operating losses exceeded R$ 15 billion. The deficit evolution throughout 2022 was BRL 600 million in the first quarter, to BRL 4.6 billion in the second and BRL 9.8 billion in the third.
FenaSaúde (National Supplementary Health Federation) lists problems such as the cost of incorporating new technologies, mandatory coverage of treatments, increased inputs and demand for medical procedures, dammed in the pandemic. The loss ratio is currently 88%.
“Supplementary health suffers direct effects from this escalation of costs and the mismatch between income and expenses. Health plans work as a sounding board for costs that affect the entire health supply chain”, says Vera Valente, executive director of entity.
She claims that the change in the taxable list, which changes the coverage rules, created fragile and subjective conditions. “It is a critical alteration, as it directly interferes with the functioning of a sector that operates based on mutualism and the adequate pricing of risks”, says Valente.
ANS says it has been monitoring the loss scenario since the 2nd quarter of 2021. In the first year of the pandemic, the sector experienced a moment in which the operating result of companies was a record, exceeding R$ 56 billion. In 2021, it dropped to BRL 8.6 billion.
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