Portuguese 
English 
Spanish 
4 min of reading 
0 comments 
MEI Can Hire Business Plans With Up to 40% Discount, Reduced Waiting Period, and Nationwide Coverage, According to ANS, Ensuring Benefits Previously Restricted to Large Companies and Expanding Access to Private Healthcare in the Country
Being a Micro Entrepreneur Individual (MEI) is no longer a disadvantage when hiring a health plan. With an active CNPJ, the self-employed professional gains access to the same business model offered to large companies, with discounts reaching 40%, shorter waiting periods, and the possibility of including dependents, according to data from the National Supplementary Health Agency (ANS).
The change is significant because Brazil has over 15 million active MEIs, a substantial segment of the economy that previously paid full prices for individual plans. Now, with the corporate equivalence policy, the MEI health plan has become a viable and strategic alternative combining affordable pricing, expanded coverage, and legal security for those who operate independently.
How the Business Health Plan Works for MEI
The business plan aimed at micro-entrepreneurs follows the same rules applied to larger companies.
-
Mercado Livre “opens the vault” and announces a record investment of R$ 57 billion in Brazil in 2026, a value 50% higher than the previous year, with an expansion plan that includes 14 new logistics centers, totaling 42 units in the country and hiring an additional 10,000 employees.
-
How investment in technology can revolutionize the national economy and enhance industrial gains, according to a study that highlights the direct impact on productivity, innovation, and wealth retention within Brazil.
-
The largest food company on the planet, JBS, has just opened a 4,000 square meter laboratory in Florianópolis to develop customized proteins that modulate muscle mass gain, immune response, and metabolic performance.
-
After nearly 30 bids and competition among industry giants, a Spanish company purchases one of the largest airports in Brazil for almost R$ 3 billion and takes over the management of Galeão in a concession that will last until 2039.
The only requirement is to have an active and regular CNPJ, which gives the MEI the right to negotiate directly with the operators.
This modality allows for the hiring of individual or family plans, as long as the micro-entrepreneur presents supporting documents.
According to ANS, the operators offer differentiated conditions for the MEI audience, such as shorter waiting periods and reduced prices, as the contract is formalized under the corporate regime.
This means that the MEI takes on the legal role of a corporate contractor, which enhances bargaining power and facilitates access to comprehensive hospital, outpatient, and dental coverage packages.
Savings of Up to 40% and Hiring Rules
In practice, the MEI health plan can cost 30% to 40% less than an equivalent individual plan.
The operators justify the difference due to the adjustment structure and collective risk profile.
According to industry data, a 40-year-old entrepreneur in São Paulo finds plans starting at R$ 255 monthly, with copayments, or national plans in the range of R$ 570, depending on the network and contracted coverage.
The micro-entrepreneur must present an active CNPJ, MEI Certificate (CCMEI), proof of address, paid DAS guide, and identification document.
If including dependents, it is necessary to prove the family link.
Generally, operators require that the CNPJ has been active for at least six months for the validation of the corporate hiring.
Coverages, Advantages, and Additional Programs
The business plans for MEIs follow the ANS procedures list, which guarantees coverage for hospital, outpatient, obstetric, dental, and telemedicine services.
In some cases, there is access to prevention and wellness programs, which include nutritional follow-up, chronic disease management, and psychological support.
Companies like Bradesco Saúde, Unimed, and Hapvida have structured specific products for the MEI audience, with variations in accredited networks and regional or national coverage.
Among the additional advantages are digital support, facilitated reimbursement, concierge assistance, and 24-hour support for scheduling and medical authorizations.
The focus is to match the service standard of medium and large companies, but with costs adapted to the reality of the self-employed.
Care and Obligations of the Micro Entrepreneur
Despite the advantages, it is crucial that the MEI keeps the CNPJ active and up to date with DAS payments, as delinquency can result in plan cancellation.
Another point of attention is the annual adjustment, which follows the rules of collective contracts and may have different variations from those applied to individual plans.
Experts also recommend evaluating the accredited network, the history of adjustments, and the reputation of the operator before closing a contract.
Price should not be the only criterion, but rather the relationship between cost, coverage, and stability of service, especially for those planning to include dependents or use the plan frequently.
Benefit That Goes Beyond Cost
For entrepreneurs, the MEI health plan has ceased to be merely an expense and has become a tool for security and productivity.
Access to private healthcare reduces absences, prevents emergencies, and improves the quality of life for those who work independently.
MEIs now have conditions similar to those of employees in traditional companies, reinforcing the importance of formalization.
According to analysts in the sector, the expansion of the benefit represents a leap in the inclusion of micro-entrepreneurs within the supplementary healthcare system, helping to reduce the burden on the public system and strengthening the informal economy that is being regularized.
The growth of business plans aimed at MEIs reflects a trend of democratizing access to private healthcare.
With significant discounts and broad coverage, this modality has become a tool for protection and financial stability for those who work independently.
Comparing operators, analyzing contracts, and keeping the CNPJ active are essential steps to ensure maximum benefit utilization.
Did you already know the advantages of the health plan for MEI? Do you think the discount compensates for the monthly investment or do you still prefer the public system?
-
-
-
3 pessoas reagiram a isso.