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Diante de um grande mercado que movimenta milhoes anualmente e atende a mais de 20% da populacao brasileira quanto a saude, fazem-se necessarios estudos relacionados a eficiencia economico-financeira das Operadoras de Planos de Saude (OPS). Soma-se a isso o fato que o mercado de saude suplementar vem diminuindo ao longo dos ultimos 15 anos. Dessa maneira, o estudo dessa eficiencia mostra-se importante para a manutencao dessas empresas no mercado. Uma das formas de se analisar a situacao financeira dessas organizacoes e por meio da utilizacao dos benchmarks de mercado. Para tanto, foram calculados alguns indicadores economico-financeiros e realizados testes de Kruskal-Wallis e Analise Envoltoria de Dados (DEA). Conclui-se que a modalidade a qual opera a OPS pode ser determinante para a sua eficiencia e que alguns indicadores apresentam possibilidades de melhoria em grande parte das empresas, independente da modalidade.Palavras-chave: Operadoras de planos de saude. Eficiencia economico-financeira. Analise envoltoria de dados (DEA).Determinants of the economic and financial efficiency of health plan operators: the influence of the modalityAbstractFaced with a large market that moves billions of people and serves more than 20% of the Brazilian population regarding health, these studies may be related to the economic economy of the Health Plan Operators (OPS). This means that the supplemental healthcare market has been shrinking over the last 15 years. Thus, the study of this efficiency is important for the maintenance of these companies in the market. One way to analyze the financial situation in these situations is the average use of market benchmarks. For this, some economic and financial indicators were calculated and performed by Kruskal-Wallis and Data Envelopment Analysis (DEA). Conclude that a form of OPS quality operation can be decisive for its efficiency and that some indicators show possibilities for improvement in most companies, regardless of the modality.Keywords: Health plan operators. Economic and financial efficiency. Data envelopment analysis (DEA).

A eficiência econômico-financeira de operadoras de planos de saúde: a influência da modalidade