In light of increasing health expenditure and following an economic crisis, the ADSE system (a health insurance system exclusive for the Portuguese civil servants) introduced a new policy where members were allowed to leave the system, and also for new employees to opt out. This decision, however, was permanent, and, as it will be shown, far from trivial. The aim of this study is to provide some indications on the total costs of both the ADSE and a private health insurance plan over the working life of an individual, taking into account certain life-changing events such as marriage and children. The choice is made based on the net present value of these total costs, and it is rational from a financial perspective. Because such a permanent decision is highly dependent on the assumptions made, a sensitivity analysis to certain variables, in particular, income, prices of medical treatments and frequency of use, is performed in order to discover the break-even point, that is, the value at which the individual would be indifferent between the two options.

鉴于医疗保健支出的增加和经济危机之后，ADSE系统（葡萄牙公务员专用的医疗保险系统）引入了一项新政策，允许成员退出该系统，并允许新员工退出。然而，这一决定是永久性的，而且正如所显示的，这绝非微不足道的。这项研究的目的是在考虑到某些改变人生的事件（例如婚姻和子女）后，为ADSE和私人健康保险计划在个人工作期间的总费用提供一些指示。根据这些总成本的净现值进行选择，从财务角度来看，这是合理的。由于这种永久性决定很大程度上取决于所做的假设，因此对某些变量进行敏感性分析，