Brazil STJ rulings cap false collective health plan adjustments at ANS indices

Brazil's Superior Court of Justice (STJ) ruled in May and June 2026 that contracts identified as 'false collective' corporate health plans must apply ANS adjustment indices for individual/family plans, not operator-set percentages. This affects formally corporate contracts lacking a genuine collective, potentially reducing premium hikes for affected policyholders. The decision's scope and impact on the health insurance market remain uncertain.