{"id":17085,"date":"2025-12-18T12:01:41","date_gmt":"2025-12-18T15:01:41","guid":{"rendered":"https:\/\/acrisure.com.br\/insights\/?p=17085"},"modified":"2026-02-24T12:20:46","modified_gmt":"2026-02-24T15:20:46","slug":"dados-ans-custos-saude-empresas","status":"publish","type":"post","link":"https:\/\/acrisure.com.br\/insights\/dados-ans-custos-saude-empresas\/","title":{"rendered":"O que os dados da ANS no 3\u00ba tri de 2025 revelam para os custos de sa\u00fade das empresas\u00a0"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.19.4&#8243; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.27.3&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; width=&#8221;100%&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Conte\u00fado&#8221; _builder_version=&#8221;4.27.3&#8243; _module_preset=&#8221;default&#8221; text_letter_spacing=&#8221;1px&#8221; custom_margin=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span data-contrast=\"auto\">A\u00a0<\/span><a href=\"https:\/\/www.gov.br\/ans\/pt-br\/assuntos\/noticias\/numeros-do-setor\/ans-divulga-dados-economico-financeiros-relativos-ao-3deg-trimestre-de-2025\"><span data-contrast=\"none\">Ag\u00eancia Nacional de Sa\u00fade Suplementar (ANS)<\/span><\/a><span data-contrast=\"auto\">\u00a0divulgou os dados econ\u00f4mico-financeiros do setor referentes ao 3\u00ba trimestre de 2025.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Os n\u00fameros indicam\u00a0<\/span><b><span data-contrast=\"auto\">melhora consistente nos resultados das operadoras<\/span><\/b><span data-contrast=\"auto\">, com crescimento de receitas, lucro l\u00edquido em patamar recorde e redu\u00e7\u00e3o da sinistralidade \u2013 sinais relevantes para empresas que buscam previsibilidade, sustentabilidade e melhor governan\u00e7a dos custos em sa\u00fade.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Crescimento de receitas e lucro em patamar hist\u00f3rico<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Entre janeiro e setembro de 2025, o setor de sa\u00fade suplementar registrou\u00a0<\/span><b><span data-contrast=\"auto\">receitas de R$ 287,3 bilh\u00f5es<\/span><\/b><span data-contrast=\"auto\">, com\u00a0<\/span><b><span data-contrast=\"auto\">lucro l\u00edquido acumulado de R$ 17,9 bilh\u00f5es<\/span><\/b><span data-contrast=\"auto\">, o equivalente a\u00a0<\/span><b><span data-contrast=\"auto\">6,2% da receita total do per\u00edodo<\/span><\/b><span data-contrast=\"auto\">. Na pr\u00e1tica, isso significa que, para cada R$ 100,00 arrecadados, o setor obteve cerca de\u00a0<\/span><b><span data-contrast=\"auto\">R$ 6,20 de lucro<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">O resultado representa o\u00a0<\/span><b><span data-contrast=\"auto\">maior lucro nominal desde 2018<\/span><\/b><span data-contrast=\"auto\">, superando inclusive o desempenho observado durante a pandemia de COVID-19, per\u00edodo marcado por forte impacto financeiro no sistema.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">Redu\u00e7\u00e3o da sinistralidade sinaliza maior equil\u00edbrio operacional<\/span><\/h3>\n<p><span data-contrast=\"auto\">A\u00a0<\/span><b><span data-contrast=\"auto\">sinistralidade<\/span><\/b><span data-contrast=\"auto\">, principal indicador do desempenho operacional das operadoras m\u00e9dico-hospitalares, ficou em\u00a0<\/span><b><span data-contrast=\"auto\">81,9% entre janeiro e setembro de 2025<\/span><\/b><span data-contrast=\"auto\">,\u00a0<\/span><b><span data-contrast=\"auto\">2,4 pontos percentuais abaixo<\/span><\/b><span data-contrast=\"auto\">\u00a0do mesmo per\u00edodo do ano anterior. Trata-se do\u00a0<\/span><b><span data-contrast=\"auto\">menor \u00edndice registrado desde 2021<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Essa redu\u00e7\u00e3o reflete, principalmente, a\u00a0<\/span><b><span data-contrast=\"auto\">recomposi\u00e7\u00e3o das mensalidades em ritmo superior ao crescimento das despesas assistenciais<\/span><\/b><span data-contrast=\"auto\">, movimento observado de forma cont\u00ednua desde 2023. O dado indica um setor operando com maior equil\u00edbrio entre receitas e custos, ainda que sob press\u00e3o estrutural.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><i><span data-contrast=\"none\">Leia tamb\u00e9m<\/span><\/i><span data-ccp-props=\"{}\">\u00a0<\/span><\/h3>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><a href=\"https:\/\/acrisure.com.br\/insights\/reajuste-por-sinistralidade\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Planos empresariais e o reajuste por sinistralidade<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><a href=\"https:\/\/acrisure.com.br\/insights\/dados-saude-suplementar\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Uso est\u00e1vel, custos desafiadores: o alerta dos dados da ANS<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">Resultado concentrado, mas com melhora disseminada<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Embora as\u00a0<\/span><b><span data-contrast=\"auto\">tr\u00eas maiores operadoras concentrem 41% do lucro agregado<\/span><\/b><span data-contrast=\"auto\">\u00a0informado \u00e0 ANS,\u00a0evidenciando o peso das empresas de grande porte no resultado do setor, os dados tamb\u00e9m apontam uma\u00a0<\/span><b><span data-contrast=\"auto\">melhora mais ampla do desempenho<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Ao todo,\u00a0<\/span><b><span data-contrast=\"auto\">75% dos entes regulados (590 operadoras)<\/span><\/b><span data-contrast=\"auto\">\u00a0encerraram o per\u00edodo com resultado l\u00edquido positivo, um aumento de\u00a0<\/span><b><span data-contrast=\"auto\">8,37 pontos percentuais em rela\u00e7\u00e3o ao ano anterior<\/span><\/b><span data-contrast=\"auto\">. O avan\u00e7o indica que a recupera\u00e7\u00e3o n\u00e3o se limita a poucos players, mas alcan\u00e7a uma parcela maior do mercado.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">Desempenho das operadoras m\u00e9dico-hospitalares<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">As operadoras m\u00e9dico-hospitalares, principal segmento do setor, registraram\u00a0<\/span><b><span data-contrast=\"auto\">lucro l\u00edquido de R$ 17,2 bilh\u00f5es<\/span><\/b><span data-contrast=\"auto\">\u00a0no per\u00edodo. O resultado foi impulsionado tanto pelo\u00a0<\/span><b><span data-contrast=\"auto\">crescimento do resultado operacional<\/span><\/b><span data-contrast=\"auto\">\u00a0quanto pela\u00a0<\/span><b><span data-contrast=\"auto\">contribui\u00e7\u00e3o do resultado financeiro<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">O resultado operacional agregado atingiu\u00a0<\/span><b><span data-contrast=\"auto\">R$ 8,3 bilh\u00f5es<\/span><\/b><span data-contrast=\"auto\">, com desempenho mais expressivo entre:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">seguradoras especializadas em sa\u00fade;<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">medicinas de grupo de m\u00e9dio e grande porte;<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">cooperativas m\u00e9dicas de grande porte.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">As\u00a0<\/span><b><span data-contrast=\"auto\">autogest\u00f5es<\/span><\/b><span data-contrast=\"auto\">, por outro lado, foram a \u00fanica modalidade a apresentar preju\u00edzo operacional, com resultado negativo de\u00a0<\/span><b><span data-contrast=\"auto\">R$ 1,22 bilh\u00e3o<\/span><\/b><span data-contrast=\"auto\">, 22,3% superior ao registrado no ano anterior.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">Resultado financeiro ganha relev\u00e2ncia em cen\u00e1rio de juros elevados<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Com taxas de juros ainda elevadas, o resultado teve papel relevante no desempenho do setor. As aplica\u00e7\u00f5es financeiras das operadoras m\u00e9dico-hospitalares somaram <\/span><b><span data-contrast=\"auto\">R$ 134,9 bilh\u00f5es ao final de setembro de 2025<\/span><\/b><span data-contrast=\"auto\">, gerando um\u00a0<\/span><b><span data-contrast=\"auto\">resultado financeiro de R$ 11 bilh\u00f5es<\/span><\/b><span data-contrast=\"auto\">\u00a0no per\u00edodo.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">O dado refor\u00e7a como <strong>fatores macroecon\u00f4micos tamb\u00e9m influenciam<\/strong> a sustentabilidade financeira das operadoras, al\u00e9m da gest\u00e3o assistencial propriamente dita.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">Diferen\u00e7as por porte de operadora<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">A an\u00e1lise por porte mostra que\u00a0<\/span><b><span data-contrast=\"auto\">todas as faixas registraram aumento no resultado l\u00edquido<\/span><\/b><span data-contrast=\"auto\">, com destaque para as\u00a0<\/span><b><span data-contrast=\"auto\">operadoras de grande porte<\/span><\/b><span data-contrast=\"auto\">, que alcan\u00e7aram\u00a0<\/span><b><span data-contrast=\"auto\">R$ 13,9 bilh\u00f5es de lucro l\u00edquido<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A\u00a0<\/span><b><span data-contrast=\"auto\">sinistralidade por porte<\/span><\/b><span data-contrast=\"auto\">\u00a0manteve o\u00a0padr\u00e3o observado no consolidado do setor:\u00a0<\/span><b><span data-contrast=\"auto\">81,9% no per\u00edodo,<\/span><\/b><span data-contrast=\"auto\">\u00a02,4 pontos percentuais abaixo do ano anterior, refor\u00e7ando a tend\u00eancia de maior equil\u00edbrio operacional.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">O que esses dados indicam para as empresas<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Para o p\u00fablico corporativo, os n\u00fameros divulgados pela ANS trazem sinais importantes:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Maior robustez financeira das operadoras<\/span><\/b><span data-contrast=\"auto\">, o que tende a influenciar estrat\u00e9gias de precifica\u00e7\u00e3o e negocia\u00e7\u00e3o.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Ambiente mais t\u00e9cnico para reajustes<\/span><\/b><span data-contrast=\"auto\">, com operadoras sustentadas por dados e indicadores de desempenho.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Valoriza\u00e7\u00e3o de contratos bem estruturados<\/span><\/b><span data-contrast=\"auto\">, com governan\u00e7a, acompanhamento de sinistralidade e gest\u00e3o ativa da sa\u00fade.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Import\u00e2ncia crescente da previsibilidade<\/span><\/b><span data-contrast=\"auto\">, especialmente para o planejamento or\u00e7ament\u00e1rio de benef\u00edcios e sa\u00fade em 2026.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Os dados do 3\u00ba trimestre de 2025 refor\u00e7am que o setor de sa\u00fade suplementar passa por um processo de\u00a0<\/span><b><span data-contrast=\"auto\">reorganiza\u00e7\u00e3o estrutural<\/span><\/b><span data-contrast=\"auto\">, no qual equil\u00edbrio econ\u00f4mico, escala e gest\u00e3o eficiente tornam-se cada vez mais determinantes.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Para as empresas, acompanhar esses indicadores \u00e9 uma pr\u00e1tica essencial para\u00a0<\/span><b><span data-contrast=\"auto\">tomadas de decis\u00e3o mais informadas, sustent\u00e1veis e alinhadas \u00e0 estrat\u00e9gia de longo prazo.<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A\u00a0Ag\u00eancia Nacional de Sa\u00fade Suplementar (ANS)\u00a0divulgou os dados econ\u00f4mico-financeiros do setor referentes ao 3\u00ba trimestre de 2025.\u00a0\u00a0<\/p>\n<p>Os n\u00fameros indicam\u00a0melhora consistente nos resultados das operadoras, com crescimento de receitas, lucro l\u00edquido em patamar recorde e redu\u00e7\u00e3o da sinistralidade \u2013 sinais relevantes para empresas que buscam previsibilidade, sustentabilidade e melhor governan\u00e7a dos custos em sa\u00fade.\u00a0<\/p>\n","protected":false},"author":1,"featured_media":17108,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","_links_to":"","_links_to_target":""},"categories":[78],"tags":[95],"class_list":["post-17085","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ans","tag-legislacao"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>O que os dados da ANS revelam para os custos de sa\u00fade<\/title>\n<meta name=\"description\" content=\"A\u00a0ANS\u00a0divulgou os dados econ\u00f4mico-financeiros do setor referentes ao 3\u00ba trimestre de 2025, os n\u00fameros indicam crescimento de receitas.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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