Health Insurance Brazil
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Brazil Health Insurance Calculator — Plano de Saúde Estimate

Estimate annual premiums for ANS-regulated private health plans (plano de saúde) — covering specialist access, hospitalisation and diagnostics beyond the SUS public system. No account, no personal data.

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Brazil's SUS (Sistema Único de Saúde) provides universal public healthcare at no direct cost to users. Private planos de saúde are regulated by ANS (Agência Nacional de Saúde Suplementar) and provide faster access and private hospital rooms. ANS mandates a standard benefit package (rol de procedimentos) that all registered plans must cover. Key price drivers: acomodação (ward vs private room), abrangência (local vs national network), and coparticipação (copayment model).
Estimated annual premium
R$5,400/year
R$4,428 – R$6,588
Estimate based on 2024–2025 Brazilian private health plan (plano de saúde) market rates. ANS-regulated. Not a real quote — actual premiums depend on operator, specific plan, network and medical history. Major operators: Unimed (cooperative network), Amil (UnitedHealth Group), Bradesco Saúde, SulAmérica Saúde, Hapvida Intermédica. Plans must be ANS-registered (check ans.gov.br).
How Brazilian private health plan costs have moved
Average private health plan annual cost — Brazil (R$/year, standard plan, individual adult age 30–39, São Paulo interior)▲ 134% since 2016
R$2.0kR$3.0kR$4.0kR$5.0kR$6.0kR$7.0kR$8.0k20162018202020222024

Indicative averages for an individual standard plan (ward hospitalisation + specialist network). Sources: ANS (Agência Nacional de Saúde Suplementar) annual reports, CNseg statistics, operator published price lists. Health plan costs in Brazil have risen sharply — driven by medical inflation (IPCM index), post-COVID utilisation surge, rising hospital procedure costs and the 2022–2023 ANS-authorised reajustes (regulatory price increases) of 15–19%. The ANS sets maximum annual reajuste (price increase) limits for individual plans — in 2023 the limit was 9.63%; operators often apply maximum permitted increases.

SUS vs. private health plans in Brazil

Brazil's SUS (Sistema Único de Saúde) provides universal public healthcare at no direct cost to all Brazilian citizens and legal residents. SUS covers everything from primary care to complex oncology and organ transplants. However, SUS faces chronic underfunding, extreme waiting times for specialist consultations and elective procedures, and geographic inequality — urban centres have far better SUS capacity than rural and northern Brazil.

Private health plans (planos de saúde) are regulated by ANS (Agência Nacional de Saúde Suplementar). ANS mandates a Rol de Procedimentos (minimum coverage list) that all registered plans must cover, updated periodically. Brazil has approximately 48 million private health plan beneficiaries — about 23% of the population. Plan penetration is heavily concentrated in São Paulo state (~35% coverage) and falls sharply in the North and Northeast.

Types of Brazilian health plans

  • Plano individual/familiar: purchased directly — regulated pricing, harder to cancel, ANS protects beneficiaries
  • Plano coletivo empresarial: employer-sponsored — most Brazilian private plans are this type; typically 20–40% cheaper than individual plans
  • Plano coletivo por adesão: sold through professional associations, unions, cooperatives — intermediate pricing

Key private health plan operators in Brazil

Unimed
Brazil's largest health plan operator and the world's largest medical cooperative system. Decentralised — local Unimed cooperatives operate in most Brazilian cities. Known for doctor-owned network and good specialist access.
Amil
Owned by UnitedHealth Group (US). Largest vertically-integrated private health group in Brazil. Strong in hospital infrastructure in major metros. Particularly strong in RJ and SP.
Bradesco Saúde
Part of Bradesco bank. One of the largest individual and corporate plan providers. Wide geographic network. Often bundled with Bradesco banking products.
Hapvida Intermédica
Merger of Hapvida (Nordeste-focused) and NotreDame Intermédica (South/Southeast). Now Brazil's largest beneficiary count. Vertically integrated — own hospitals, clinics and labs.

Frequently asked questions

Is this calculator free?
Yes — completely free, no account needed. Nothing you enter is saved.
Can I keep my health plan if I lose my job in Brazil?
Yes — under Lei 9.656/1998, if you were covered under an employer's collective health plan for at least 2 years and lose your job involuntarily, you have the right to maintain coverage for 12–24 months (depending on contribution period) by paying the full premium yourself. This "portability" right must be exercised within 30 days of termination.
What is ANS and why does it matter?
ANS (Agência Nacional de Saúde Suplementar) is the federal regulator for all private health plans in Brazil. It sets the mandatory Rol de Procedimentos (minimum coverage list), maximum annual premium increases for individual plans, and handles consumer complaints. Always verify your operator is ANS-registered at ans.gov.br before enrolling.