Brazil regulator caps individual health plan adjustments at 5.11% amid market shift to collective contracts

The Agência Nacional de Saúde Suplementar (ANS) set a record-low 5.11% adjustment cap for individual health plans, yet this measure covers a shrinking segment of the market. Operators are increasingly migrating beneficiaries to collective contracts, which remain unregulated by the ANS cap, leading to higher costs for consumers. The long-term impact on healthcare affordability remains uncertain as individual plan availability continues to decline.