# Brazil health insurance regulation and litigation > Live situation record from CLSTR: https://clstr.news/situations/brazil-health-insurance-regulation-and-litigation > Updated: 2026-09-16T18:43:37.000Z. Sources: 7. Developments: 2. The regulatory and legal landscape for health insurance in Brazil is undergoing significant shifts regarding price adjustment mechanisms. The National Agency of Supplementary Health (ANS) has been studying a proposal for a ‘technical review’ mechanism. This would allow insurance operators to address economic imbalances in individual and family plans by applying adjustments diluted over three to five years, capped at 20% annually, in addition to standard annual and age-based increases. Simultaneously, the Superior Tribunal de Justiça (STJ) has addressed the issue of ‘false collective’ corporate health insurance contracts. These are plans registered as corporate but consisting of small groups or single families. The STJ ruled that these contracts must follow the adjustment indices set by the ANS for individual and family plans, rather than the higher rates charged by operators. The court noted a significant rise in this segment, with corporate contracts involving up to five people growing 81% between December 2019 and May 2026. ## Timeline ### 2026-09-16: STJ mandates ANS adjustment indices for false collective health plans The Brazilian STJ is ruling that ‘false collective’ corporate health plans must use ANS adjustment indices instead of higher operator rates, targeting contracts that lack true business collectivity. 5 sources. https://clstr.news/cluster/stj-mandates-ans-adjustment-indices-for-false-collective-health-plans ### 2026-09-11: ANS studies new adjustment mechanism for health insurance plans The Brazilian National Agency of Supplementary Health (ANS) is considering a new technical review mechanism that could allow health insurance operators to pass financial risks to individual plan holders. 3 sources. https://clstr.news/cluster/ans-studies-new-adjustment-mechanism-for-health-insurance-plans --- Cite as: Brazil health insurance regulation and litigation. CLSTR, https://clstr.news/situations/brazil-health-insurance-regulation-and-litigation