information, asymmetry of information and regulation of the suplemental health market

• Autor(a) principal: Lima, Clóvis Ricardo Montenegro de
• Data de Publicação: 2006
• Tipo de documento: Artigo
• Idioma: por
• Título da fonte: Encontros Bibli
• Texto Completo: https://periodicos.ufsc.br/index.php/eb/article/view/1518-2924.2006v11nesp1p132
• topic: Assimetria de informações; Regulação de mercados; Saúde suplementar; Information asymmetries; Market regulation; Private health insurance

Information is a necessary condition for democracy. The social networks are relevant in today’s cultural development since they are a priviledged means to produce and broadcast information. New technologies make it easier to store and publish files, specially with the Internet. The discussion ethics which aims common agreement between the parties implies the need for a communicative behavior based on rational propositions. Information asymmetries among market players create the need for regulation. The market usually works in an imperfect way, so that very often it is unable to disclosure information about prices and other socially acceptable supply conditions. Health care frameworks are different according to the social-cultural context. The Brazilian private health insurance market has about 2,200 insurers and covers 40 million beneficiaries. ANS (Agência Nacional de Saúde Suplementar), the Brazilian regulatory agency for private health insurance, enforces the Laws n. 9656/98 and 9961/00, which defines the regulatory benchmarks in this market. Information production, organization, consolidation and dissemination are important regulation tools.