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Mercados e concentração no setor suplementar de planos e seguros de saúde no Brasil

  • Monica Viegas Andrade
  • Marina Moreira da Gama
  • Ricardo Machado Ruiz
  • Ana Carolina Maia
  • Bernardo Modenesi
  • Daniel Mattos Tiburcio
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    Neste trabalho investiga-se a estrutura de mercado do setor de planos e seguros de saúde no Brasil, considerando a dimensão relacionada à concentração de ofertantes. Para analisar a concentração do mercado de planos de saúde, faz-se necessário delimitar o mercado relevante nas dimensões produto e geográfica. Utiliza-se aqui uma metodologia para definição de mercado geográfico de planos de saúde no Brasil baseada nos modelos gravitacionais. No Brasil, a utilização de uma metodologia alternativa à fronteira geopolítica como critério de definição da dimensão geográfica pode ser complementar, haja vista a heterogeneidade geopolítica e socioeconômica do país. Nesse sentido, propõe-se que a área de mercado seja definida através do fluxo de relações de troca (consumo). Esse fluxo de relações depende da oferta de serviços, da demanda potencial e da distância entre a oferta de serviços e o local de residência. A parametrização do modelo é realizada a partir das informações de utilização de serviços hospitalares na rede pública proveniente dos registros de autorização de internação hospitalar (AIH). A aplicação empírica é realizada para o Brasil utilizando os dados de registros das operadoras de planos de saúde e seguros-saúde disponibilizados pela ANS para junho de 2007 e para janeiro de 2010. Do ponto de vista empírico, os resultados encontrados neste trabalho evidenciam a presença de um mercado concentrado em algumas áreas, sendo os mercados de planos coletivos menos concentrados que os de planos individuais. Competition in the Health Insurance system in Brazil :: In this paper we investigate the concentration in health insurance sector in Brazil. In order to conduct this analysis it is necessary to establish the definition of relevant market in product and geographical dimensions. In this paper we apply a methodology based on gravitation models to define the geographical market. Till now the concentration analysis was performed in Brazil using geopolitical boundaries as the market definition. This alternative methodology should be better than Geopolitical boundaries once Brazil is specially large and heterogeneous country. We assume that health services are locally demanded and supplied. In that manner the market area is defined by the flow of trade. This flow is conditioned on health services supply, potential demand and friction variables. The empirical analysis was conducted using database sourced by the National Health Insurance Agency in Brazil – Agência Nacional de Saúde Suplementar (ANS) – to 2007 and 2010. We analyzed the competition structure performing concentration indexes. Our results point out that health insurance sector in Brazil is concentrated.

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    Article provided by Instituto de Pesquisa Econômica Aplicada in its journal Pesquisa e Planejamento Econômico.

    Volume (Year): 42 (2012)
    Issue (Month): 3 (dez.)
    Pages: 329-362

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    Handle: RePEc:ppe:ppeart:y:2012:v:42:i:3:p:329-362
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