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Open Access Publications from the University of California

Entre a Proteção e a Eficiência: Evidências de Seleção Adversa no Mercado Brasileiro de Saúde Suplementar Após a Regulamentação


This paper analyses the effect of the recent brazilian supplementary health plans regulation on the market efficiency. Most regulation is focused on the protection and enhancement of the rights of some consumers groups at the expense of market economic efficiency and long run sustainability. We found evidence of adverse selection in the post regulation period by implementing some econometric tests. This evidence shows the possible trade-off between regulation based on consumers protection and market development.

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