Prepaid health insurance companies announce increases before inflation is released: nine companies reported increases of up to 2.9%.

Current regulations stipulate that prepaid health insurance companies must report their adjustments within five days of the publication of inflation figures. However, the new official website for checking plans, costs, and monthly increases already shows increases for September before the INDEC releases the July CPI.

Nine companies appear on that list with variations charged, and there are also persistent discrepancies between the published rate schedules and what members actually receive on their bills, a combination that adds uncertainty to a sensitive sector.

The current system requires reporting increases after the CPI to regulate the update sequence. However, at the time of writing this article, hours after the inflation data was released, adjustments for September were already appearing on the Superintendency of Health Services (SSS) website.

The rule aims to provide predictability and administrative control. The practice, at least among some medium-sized and small companies, is uneven: they communicate early, implement later, and the member finds out with the bill in hand.

According to the official website, these prepaid plans posted their September increases: Ampes Salud (1.6%); Apres Cobertura Médica (1.6%); Así Salud (1.6%); Asistir Servicios (1.6%); Colegio Médico de La Pampa (2.9%); Corporación Médica (1.9%); Grupo LPF (1.6%); Nobis Medical (1.4%); and Osmita Promoviendo Salud (1.6%) .

These are entities in groups "B" and "C" of the SSS classification (based on registration size). That is, they are less visible than the large entities in group "A" that usually set the market pace.

Adding to the problem of early notification is another problem: rate charts that don't reflect the reality of bills. Three illustrative cases mentioned by users and reviewed by the documentation are Medical's, Medin, and Cober. The SSS website lists plans with ridiculously low prices (three-figure amounts) and reported increases of 2% last month.

But at the same time, an 84-year-old Medical's member told Clarín that she paid $808,704 in August for her individual coverage . This gap between what was published and what was charged raises concerns about the consistency of the available information and the quality of the audit.

During the Libertarian administration, the official radar focused primarily on group "A" prepaid health plans, those with the largest number of members and, therefore, the greatest social impact. This focus left a less controlled "periphery," where "silent adjustments" and untimely communications proliferate.

The result: a universe of users—mostly senior citizens—exposed to fee increases that do not always find immediate correlation in public records.

Check your plan and monthly payment on the SSS portal and compare it with your bill. If there are discrepancies, request the official rate schedule provided by the company and a breakdown of charges. If the prepaid plan announced an increase before the CPI, file a written complaint (note, email, or ticket) and save your application number.

If you experience repeated complaints or lack a response, escalate your complaint to the Consumer Protection Agency and the SSS with documentation (portal screenshots, invoice, and the company's response). The sooner you file a formal complaint, the better the chances of stopping or reversing improper charges.