Prepaid Medicine Companies: January Billing Update and Cost Increases for Members – 2023

2023-12-15 23:47:00

December 15, 2023 – 20:47

They estimate that some 300,000 members will see an increase of 32.38%, which is added to the 6.26% authorized by the Health Superintendence.

Las prepaid medicine companies They will send the January billing in the next few days and it is estimated that some 300,000 members will see increases of up to 32.38% in their fees, plus the 6.26% that corresponds to the increase authorized by the Superintendency of Health, which results in an increase accumulated of 40.67%.

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These are the members who had their quota frozen. During the last months, some prepaid companies were billing with the updated feebut specifying as “bonus” the difference. Now, billing will show the new values ​​without said bonus.

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The January increase of 6.26% corresponds to the Health Cost Index that is applied with a two-month lag. In this way, the increase in January corresponds to the Index as of November 30. At the end of the month, the percentage that will be applied in February should be announced.

From the sector, it is taken for granted that, following the devaluation of the peso, health costs will suffer a significant jump and, if the current update scheme is maintained, they will return to double digits.

According to estimates, an average plan for a marriage without children might reach $150,000 per month. Those who derive contributions pay the difference between the plan amount and the derived contributions.

Anyway, heThe new authorities of the Ministry of Health must evaluate several pointsincluding the form of indexing of the quotas and whether the current tax benefits for the companies. In this sense, they must define whether or not the adjustment of the quotas is maintained according to the Health Cost Index for those who earn more than 6 Minimum Vital and Mobile Wages (SMVM) or 90% of the RIPTE (Taxable Remuneration of Stable Workers) for the rest (Income less than 6 SMVM) or Each prepaid company may set the values ​​of the fees and increases, without regulation by the Superintendency.

On the other hand, dThey will have to determine whether or not they maintain the tax and pension benefits granted to health companies in exchange for this freezing of fees. According to decree 478/2023, health companies were exempt from September 1, 2023 to March 31, 2024, inclusive, from the payment of employer contributions received by the Argentine Integrated Pension System (SIPA).

Alsothey must evaluate whether the special payment plan continues in nine installmentswith the first due date in March 2024, for the payment obligations of employer contributions and Value Added Tax (VAT) with respect to the fiscal periods accrued in the months of August, September, October and November 2023.

In relation to the Tax on Credits and Debits in Bank Accounts and Other Operations from September 1, 2023 to March 31, 2024 inclusive, The reduced rates that were in force only until December 31 will be applied.

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