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Premium season
Five steps to switching on 1 January 2027
As of . Sources: FOPH/FDHA press release, 29 Sept 2026 (German); tariffs: FOPH open dataset «Krankenversicherungsprämien» (opendata.swiss).
What we know so far, newest first. Every item with its source.
The FOPH has published the approved premiums of all 32 health insurers in its open dataset. The canton and insurer analysis and the calculator on this page are based on it.
Source: opendata.swissFrom 2027 the FOPH groups family-doctor and HMO models as «Praxis» (practice). New are «Flex» (several first points of contact to choose from) and «Pharmacy». Telmed and app models are listed as «Telmed/digital».
Source: BAGThe average premium is CHF 412 a month in 2027, CHF 19.70 more than in 2026. Adults pay CHF 487.60 on average (+4.9%), young adults CHF 338.80 (+4.8%), children CHF 128.10 (+4.6%).
Source: EDI/BAG, Medienmitteilung vom 29.9.2026Comparis had expected +3.7% in June, the FOPH itself +4.5 to 5%. At +5.0%, the result is at the top of that range.
Source: NZZThe average premium rose by 4.4% to CHF 393.30 a month in 2026.
Source: BAGThe average monthly premium for compulsory health insurance (OKP/LAMal, basic cover) rises by +5.0% to CHF 412 in 2027. That is CHF 19.70 more per month than in 2026, or about CHF 236 a year. The Federal Office of Public Health (FOPH) published the figures on 29 September 2026.
The FOPH calculates the average premium by adding up all premiums paid in Switzerland and dividing them by the number of insured people. Your own premium depends on where you live (canton and premium region), your age, your deductible, your insurer and your insurance model. That is why it rises much more for some people and less, or not at all, for others.
| Age group | Average premium 2027 | Per month | Per year | Change |
|---|---|---|---|---|
| All insured people | CHF 412 | +19.70 | +236 | +5.0% |
| Adults (26+) | CHF 487.60 | +22.80 | +274 | +4.9% |
| Young adults (19–25) | CHF 338.80 | +15.40 | +185 | +4.8% |
| Children (0–18) | CHF 128.10 | +5.70 | +68 | +4.6% |
Source: EDI/BAG, Medienmitteilung vom 29.9.2026. «Per year» = monthly change times 12, rounded.
For a family with two adults and two children, that means about CHF 57 more per month on average (2 × 22.80 + 2 × 5.70), or about CHF 684 a year.
| Premium year | Average premium | Change | Source |
|---|---|---|---|
| 2025 | CHF 378.70 | +6.0% | BAG, 26.9.2024 |
| 2026 | CHF 393.30 | +4.4% | BAG, 23.9.2025 |
| 2027 | CHF 412 | +5.0% | EDI/BAG, Medienmitteilung vom 29.9.2026 |
After +6.0% for 2025 and +4.4% for 2026, the average premium rises faster again in 2027. Comparis had forecast +3.7% in June, the FOPH itself +4.5 to 5%. At +5.0%, the result is at the top of the forecast range. The figures are shown as the FOPH published them each September.
In short: because health costs keep rising. Premiums have to cover the expected costs of every insurer in every canton. Insurers calculated their 2027 premiums and submitted them to the FOPH, which checked them against the legal requirements and asked for changes where needed. The +5.0% increase matches the expected growth in costs.
| Year | Cost growth (basic cover) | Basis |
|---|---|---|
| 2025 | +5.3% | actual |
| 2026 | +4.7% | projection |
| 2027 | +5.0% | estimate |
Costs rose by 5.3% in 2025, again faster than the average since the Health Insurance Act (KVG) came into force. For 2026 the federal government projects +4.7%, and for 2027 +5.0%.
Since the switch to the new outpatient tariff system (TARDOC and outpatient flat rates), many bills arrive late. That makes the 2026 cost trend harder to estimate, but according to the FOPH there are no signs that the increase is slowing down.
By reviewing benefits, drug prices and tariffs, the Federal Department of Home Affairs (FDHA) and the FOPH say they have saved more than CHF 2 billion over the past ten years. Since 2024, Federal Councillor Elisabeth Baume-Schneider has brought the healthcare sector together at a round table, and the first measures are being implemented. At the end of 2026, the Federal Council will also set targets for cost and quality growth in basic insurance for the first time, for 2028 to 2031 (a result of the indirect counter-proposal to the cost-brake initiative). If costs grow faster than a target, the Federal Council and the cantons must consider corrective measures.
With the 2027 premiums, the FOPH reorganises the insurance models with a restricted choice of doctor. It groups family-doctor and HMO models as «Praxis» (practice), because the two approaches had become almost identical. Flex and pharmacy models are new. The calculator on this page and priminfo.admin.ch use these categories.
| Category | First point of contact | Until 2026 |
|---|---|---|
| Standard | Free choice of doctor | Standard |
| Practice (Praxis) | A designated medical practice, e.g. family doctor or health centre | Family doctor and HMO models |
| Telmed/digital | Phone or digital, e.g. telemedicine centre or app | «Other models» (mostly Telmed) |
| Flex | Several first points of contact to choose from, e.g. practice or telemedicine | new |
| Pharmacy | A pharmacy designated by the insurer | new |
Source: FOPH, insurance models with a restricted choice of provider (German). No pharmacy tariffs are published for 2027 yet.
From 1 January 2027, AMB Versicherungen AG and Caisse-maladie de la vallée d’Entremont no longer operate as separate health insurers: both merge with Mutuel Krankenversicherung AG (Groupe Mutuel). That leaves 32 insurers offering basic cover in 2027, down from 34 in 2026 (FOPH list of insurer changes 2027, German).
All 26 cantons, sorted by the change from 2026 (FOPH figures where published, otherwise our estimate ≈). Plus what it means per year and which insurer is cheapest in 2027.
+6.6%
Jura
+3.0%
Glarus
30%
308 of 1019 standard tariffs for adults
| Canton | Change* | Standard premium 2027 | More per year | Cheapest 2027* |
|---|---|---|---|---|
| Jura JU | CHF 703.50 | +CHF 523 | CHF 584.30Sanitas, Telmed | |
| Appenzell Innerrhoden AI | CHF 466.40 | +CHF 337 | CHF 376.70KPT, Telmed | |
| Schaffhausen SH | CHF 611.00 | +CHF 441 | CHF 503.80ÖKK, Practice | |
| Neuchâtel NE | CHF 730.20 | +CHF 519 | CHF 583.40Agrisano, Telmed | |
| Solothurn SO | CHF 624.30 | +CHF 424 | CHF 503.80Agrisano, Telmed | |
| Zurich ZH | CHF 677.00 | +CHF 445 | CHF 535.10Atupri, Practice | |
| Fribourg FR | CHF 629.80 | +CHF 408 | CHF 513.20Atupri, Practice | |
| Aargau AG | CHF 599.20 | +CHF 381 | CHF 474.70Agrisano, Telmed | |
| Valais VS | CHF 601.85 | +CHF 383 | CHF 507.60Atupri, Practice | |
| Lucerne LU | CHF 582.50 | +CHF 364 | CHF 474.60Atupri, Practice | |
| St. Gallen SG | CHF 598.80 | +CHF 375 | CHF 494.60ÖKK, Practice | |
| Bern BE | CHF 699.75 | +CHF 430 | CHF 568.70Sanitas, Practice | |
| Nidwalden NW | CHF 513.15 | +CHF 315 | CHF 399.20Agrisano, Telmed | |
| Schwyz SZ | CHF 545.00 | +CHF 329 | CHF 434.70Agrisano, Telmed | |
| Uri UR | CHF 514.15 | +CHF 311 | CHF 401.50Agrisano, Telmed | |
| Thurgau TG | CHF 568.80 | +CHF 319 | CHF 453.80Agrisano, Telmed | |
| Geneva GE | CHF 771.00 | +CHF 424 | CHF 611.70Assura, Flex | |
| Appenzell Ausserrhoden AR | CHF 555.60 | +CHF 299 | CHF 433.40Agrisano, Telmed | |
| Obwalden OW | CHF 518.05 | +CHF 279 | CHF 410.00Agrisano, Telmed | |
| Basel-Stadt BS | CHF 734.10 | +CHF 379 | CHF 599.00Concordia, Practice | |
| Zug ZG | CHF 443.80 | +CHF 224 | CHF 350.60Agrisano, Telmed | |
| Basel-Landschaft BL | CHF 701.50 | +CHF 347 | CHF 568.50Atupri, Practice | |
| Graubünden GR | CHF 586.15 | +CHF 290 | CHF 475.60Concordia, Practice | |
| Ticino TI | CHF 764.00 | +CHF 327 | CHF 616.70Agrisano, Telmed | |
| Vaud VD | CHF 720.80 | +CHF 292 | CHF 584.30Atupri, Practice | |
| Glarus GL | CHF 552.90 | +CHF 193 | CHF 453.10Agrisano, Telmed |
*Change: FOPH figures as reported by 20 Minuten (German); marked ≈: our estimate for cantons without a published FOPH figure, i.e. the average change of each insurer's standard tariffs (free choice of doctor) in the canton, across all ages, deductibles and premium regions, weighted by the insurer's number of insured people in the canton (FOPH, 2025). The FOPH's official average also covers all models and deductible choices and can differ (FOPH: Glarus +3.0% to Jura +6.6%, source). Standard premium: median of the standard tariffs in premium region 1 (or canton-wide). «More per year»: this change applied to the standard premium, times 12. *Cheapest = cheapest tariff of all insurers and models, adults 26+, deductible CHF 300, accident cover included, premium region 1 (or canton-wide). Source: FOPH open dataset «Krankenversicherungsprämien» (opendata.swiss). Your postcode in the calculator →
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Median change of each insurer across all premium regions where it operates. The range shows how differently the same insurer raises premiums from region to region.
| Insurer | Change (median) | Per month | Range | Cantons |
|---|---|---|---|---|
| CSS | +CHF 40.50 | +3.6% to +10.4% | 26 | |
| Sympany | +CHF 39.50 | +0.5% to +16.5% | 26 | |
| sana24 | +CHF 29.60 | +2.1% to +7.9% | 26 | |
| Luzerner Hinterland | +CHF 24.52 | −3.0% to +11.1% | 10 | |
| Avenir | +CHF 27.40 | −0.4% to +10.3% | 26 | |
| Assura | +CHF 27.40 | +1.0% to +7.3% | 26 | |
| Visana | +CHF 26.60 | ±0.0% to +7.8% | 26 | |
| Agrisano | +CHF 24.10 | −7.0% to +9.0% | 26 | |
| Philos | +CHF 28.30 | ±0.0% to +12.0% | 26 | |
| SLKK | +CHF 22.20 | −6.7% to +5.7% | 21 | |
| Sumiswalder | +CHF 20.20 | −5.0% to +5.5% | 21 | |
| Aquilana | +CHF 24.40 | ±0.0% to +8.0% | 26 | |
| rhenusana | +CHF 24.05 | +3.1% to +12.8% | 26 | |
| Atupri | +CHF 19.25 | +0.6% to +7.0% | 26 | |
| Groupe Mutuel | +CHF 23.00 | ±0.0% to +12.3% | 26 | |
| Sanitas | +CHF 20.00 | ±0.0% to +6.6% | 26 | |
| Helsana | +CHF 22.50 | −10.1% to +12.1% | 26 | |
| Galenos | +CHF 19.30 | +0.1% to +6.3% | 26 | |
| ÖKK | +CHF 18.00 | +0.3% to +7.5% | 26 | |
| EGK | +CHF 20.60 | ±0.0% to +6.0% | 26 | |
| KPT | +CHF 16.60 | −2.0% to +5.5% | 26 | |
| SWICA | +CHF 14.05 | −2.1% to +9.4% | 26 | |
| Concordia | +CHF 14.35 | +0.5% to +8.0% | 26 | |
| Steffisburg | +CHF 14.35 | +2.0% to +6.5% | 11 | |
| Einsiedler | +CHF 11.90 | +0.8% to +5.9% | 9 | |
| vita surselva | +CHF 10.00 | ±0.0% to +7.9% | 26 |
Median change of the standard tariffs (free choice of doctor) for adults 26+, deductible CHF 300, accident cover included, across all of the insurer's premium regions, unweighted; «per month» likewise in francs. Only insurers active in at least 5 cantons. Managed-care models can change differently. Source: FOPH open dataset «Krankenversicherungsprämien» 2026 and 2027 (opendata.swiss).
According to the FOPH, the average premium rises by between +3.0% (Glarus) and +6.6% (Jura), depending on the canton. Where the FOPH has published the figure for a canton, we show it; for the other cantons we show our estimate from the FOPH tariff data (≈, weighted by each insurer's insured people). Standard premiums and the cheapest insurer come straight from the FOPH tariff data.
Change according to the FOPH: +5.6%. The standard premium for adults (deductible CHF 300, accident cover) is CHF 599.20 in 2027 (median), about CHF 381 more a year. The cheapest option in 2027 is Agrisano (Telmed) at CHF 474.70 a month. Of 27 standard tariffs for adults, 27 go up and 0 go down.
Change (estimate): ≈ +4.7%. The standard premium for adults (deductible CHF 300, accident cover) is CHF 555.60 in 2027 (median), about CHF 299 more a year. The cheapest option in 2027 is Agrisano (Telmed) at CHF 433.40 a month. Of 23 standard tariffs for adults, 23 go up and 0 go down.
Change (estimate): ≈ +6.4%. The standard premium for adults (deductible CHF 300, accident cover) is CHF 466.40 in 2027 (median), about CHF 337 more a year. The cheapest option in 2027 is KPT (Telmed) at CHF 376.70 a month. Of 23 standard tariffs for adults, 21 go up and 1 go down.
Change according to the FOPH: +4.3%. The standard premium for adults (deductible CHF 300, accident cover, premium region 1) is CHF 701.50 in 2027 (median), about CHF 347 more a year. The cheapest option in 2027 is Atupri (Practice) at CHF 568.50 a month. Of 46 standard tariffs for adults, 46 go up and 0 go down.
Change according to the FOPH: +4.5%. The standard premium for adults (deductible CHF 300, accident cover) is CHF 734.10 in 2027 (median), about CHF 379 more a year. The cheapest option in 2027 is Concordia (Practice) at CHF 599.00 a month. Of 23 standard tariffs for adults, 22 go up and 0 go down.
Change according to the FOPH: +5.4%. The standard premium for adults (deductible CHF 300, accident cover, premium region 1) is CHF 699.75 in 2027 (median), about CHF 430 more a year. The cheapest option in 2027 is Sanitas (Practice) at CHF 568.70 a month. Of 78 standard tariffs for adults, 78 go up and 0 go down.
Change (estimate): ≈ +5.7%. The standard premium for adults (deductible CHF 300, accident cover, premium region 1) is CHF 629.80 in 2027 (median), about CHF 408 more a year. The cheapest option in 2027 is Atupri (Practice) at CHF 513.20 a month. Of 46 standard tariffs for adults, 44 go up and 0 go down.
Change (estimate): ≈ +4.8%. The standard premium for adults (deductible CHF 300, accident cover) is CHF 771.00 in 2027 (median), about CHF 424 more a year. The cheapest option in 2027 is Assura (Flex) at CHF 611.70 a month. Of 21 standard tariffs for adults, 17 go up and 3 go down.
Change according to the FOPH: +3.0%. The standard premium for adults (deductible CHF 300, accident cover) is CHF 552.90 in 2027 (median), about CHF 193 more a year. The cheapest option in 2027 is Agrisano (Telmed) at CHF 453.10 a month. Of 26 standard tariffs for adults, 23 go up and 2 go down.
Change according to the FOPH: +4.3%. The standard premium for adults (deductible CHF 300, accident cover, premium region 1) is CHF 586.15 in 2027 (median), about CHF 290 more a year. The cheapest option in 2027 is Concordia (Practice) at CHF 475.60 a month. Of 72 standard tariffs for adults, 66 go up and 3 go down.
Change according to the FOPH: +6.6%. The standard premium for adults (deductible CHF 300, accident cover) is CHF 703.50 in 2027 (median), about CHF 523 more a year. The cheapest option in 2027 is Sanitas (Telmed) at CHF 584.30 a month. Of 21 standard tariffs for adults, 21 go up and 0 go down.
Change (estimate): ≈ +5.5%. The standard premium for adults (deductible CHF 300, accident cover, premium region 1) is CHF 582.50 in 2027 (median), about CHF 364 more a year. The cheapest option in 2027 is Atupri (Practice) at CHF 474.60 a month. Of 75 standard tariffs for adults, 74 go up and 0 go down.
Change (estimate): ≈ +6.3%. The standard premium for adults (deductible CHF 300, accident cover) is CHF 730.20 in 2027 (median), about CHF 519 more a year. The cheapest option in 2027 is Agrisano (Telmed) at CHF 583.40 a month. Of 21 standard tariffs for adults, 20 go up and 0 go down.
Change (estimate): ≈ +5.4%. The standard premium for adults (deductible CHF 300, accident cover) is CHF 513.15 in 2027 (median), about CHF 315 more a year. The cheapest option in 2027 is Agrisano (Telmed) at CHF 399.20 a month. Of 26 standard tariffs for adults, 25 go up and 1 go down.
Change (estimate): ≈ +4.7%. The standard premium for adults (deductible CHF 300, accident cover) is CHF 518.05 in 2027 (median), about CHF 279 more a year. The cheapest option in 2027 is Agrisano (Telmed) at CHF 410.00 a month. Of 26 standard tariffs for adults, 24 go up and 2 go down.
Change according to the FOPH: +6.4%. The standard premium for adults (deductible CHF 300, accident cover, premium region 1) is CHF 611.00 in 2027 (median), about CHF 441 more a year. The cheapest option in 2027 is ÖKK (Practice) at CHF 503.80 a month. Of 46 standard tariffs for adults, 45 go up and 1 go down.
Change (estimate): ≈ +5.3%. The standard premium for adults (deductible CHF 300, accident cover) is CHF 545.00 in 2027 (median), about CHF 329 more a year. The cheapest option in 2027 is Agrisano (Telmed) at CHF 434.70 a month. Of 28 standard tariffs for adults, 25 go up and 1 go down.
Change according to the FOPH: +6.0%. The standard premium for adults (deductible CHF 300, accident cover) is CHF 624.30 in 2027 (median), about CHF 424 more a year. The cheapest option in 2027 is Agrisano (Telmed) at CHF 503.80 a month. Of 25 standard tariffs for adults, 25 go up and 0 go down.
Change (estimate): ≈ +5.5%. The standard premium for adults (deductible CHF 300, accident cover, premium region 1) is CHF 598.80 in 2027 (median), about CHF 375 more a year. The cheapest option in 2027 is ÖKK (Practice) at CHF 494.60 a month. Of 75 standard tariffs for adults, 70 go up and 5 go down.
Change (estimate): ≈ +4.9%. The standard premium for adults (deductible CHF 300, accident cover) is CHF 568.80 in 2027 (median), about CHF 319 more a year. The cheapest option in 2027 is Agrisano (Telmed) at CHF 453.80 a month. Of 23 standard tariffs for adults, 23 go up and 0 go down.
Change according to the FOPH: +3.7%. The standard premium for adults (deductible CHF 300, accident cover, premium region 1) is CHF 764.00 in 2027 (median), about CHF 327 more a year. The cheapest option in 2027 is Agrisano (Telmed) at CHF 616.70 a month. Of 42 standard tariffs for adults, 39 go up and 2 go down.
Change (estimate): ≈ +5.3%. The standard premium for adults (deductible CHF 300, accident cover) is CHF 514.15 in 2027 (median), about CHF 311 more a year. The cheapest option in 2027 is Agrisano (Telmed) at CHF 401.50 a month. Of 26 standard tariffs for adults, 24 go up and 1 go down.
Change according to the FOPH: +5.6%. The standard premium for adults (deductible CHF 300, accident cover, premium region 1) is CHF 601.85 in 2027 (median), about CHF 383 more a year. The cheapest option in 2027 is Atupri (Practice) at CHF 507.60 a month. Of 50 standard tariffs for adults, 47 go up and 0 go down.
Change according to the FOPH: +3.5%. The standard premium for adults (deductible CHF 300, accident cover, premium region 1) is CHF 720.80 in 2027 (median), about CHF 292 more a year. The cheapest option in 2027 is Atupri (Practice) at CHF 584.30 a month. Of 42 standard tariffs for adults, 38 go up and 0 go down.
Change according to the FOPH: +4.4%. The standard premium for adults (deductible CHF 300, accident cover) is CHF 443.80 in 2027 (median), about CHF 224 more a year. The cheapest option in 2027 is Agrisano (Telmed) at CHF 350.60 a month. Of 27 standard tariffs for adults, 22 go up and 3 go down.
Change according to the FOPH: +5.8%. The standard premium for adults (deductible CHF 300, accident cover, premium region 1) is CHF 677.00 in 2027 (median), about CHF 445 more a year. The cheapest option in 2027 is Atupri (Practice) at CHF 535.10 a month. Of 81 standard tariffs for adults, 80 go up and 0 go down.
How much does your insurer raise premiums? The figures show the median change of the standard premium (adults, deductible CHF 300, accident cover) across all premium regions. In your region it can be much more or less; the calculator shows your exact premium.
CSS raises its standard premiums by a median of +7.1% in 2027 (+CHF 40.50 a month). Depending on the premium region, the change ranges from +3.6% to +10.4%; CSS operates in 26 cantons. CSS review →
Sympany raises its standard premiums by a median of +6.8% in 2027 (+CHF 39.50 a month). Depending on the premium region, the change ranges from +0.5% to +16.5%; Sympany operates in 26 cantons.
Assura raises its standard premiums by a median of +4.7% in 2027 (+CHF 27.40 a month). Depending on the premium region, the change ranges from +1.0% to +7.3%; Assura operates in 26 cantons. Assura review →
Visana raises its standard premiums by a median of +4.7% in 2027 (+CHF 26.60 a month). Depending on the premium region, the change ranges from ±0.0% to +7.8%; Visana operates in 26 cantons.
Atupri raises its standard premiums by a median of +3.7% in 2027 (+CHF 19.25 a month). Depending on the premium region, the change ranges from +0.6% to +7.0%; Atupri operates in 26 cantons.
Groupe Mutuel raises its standard premiums by a median of +3.7% in 2027 (+CHF 23.00 a month). Depending on the premium region, the change ranges from ±0.0% to +12.3%; Groupe Mutuel operates in 26 cantons.
Sanitas raises its standard premiums by a median of +3.6% in 2027 (+CHF 20.00 a month). Depending on the premium region, the change ranges from ±0.0% to +6.6%; Sanitas operates in 26 cantons. Sanitas review →
Helsana raises its standard premiums by a median of +3.6% in 2027 (+CHF 22.50 a month). Depending on the premium region, the change ranges from −10.1% to +12.1%; Helsana operates in 26 cantons. Helsana review →
ÖKK raises its standard premiums by a median of +3.1% in 2027 (+CHF 18.00 a month). Depending on the premium region, the change ranges from +0.3% to +7.5%; ÖKK operates in 26 cantons.
EGK raises its standard premiums by a median of +3.0% in 2027 (+CHF 20.60 a month). Depending on the premium region, the change ranges from ±0.0% to +6.0%; EGK operates in 26 cantons.
KPT raises its standard premiums by a median of +3.0% in 2027 (+CHF 16.60 a month). Depending on the premium region, the change ranges from −2.0% to +5.5%; KPT operates in 26 cantons.
SWICA raises its standard premiums by a median of +2.7% in 2027 (+CHF 14.05 a month). Depending on the premium region, the change ranges from −2.1% to +9.4%; SWICA operates in 26 cantons. SWICA review →
Concordia raises its standard premiums by a median of +2.5% in 2027 (+CHF 14.35 a month). Depending on the premium region, the change ranges from +0.5% to +8.0%; Concordia operates in 26 cantons.
For adults with a CHF 2,500 deductible and no accident cover, typical for employees who are covered for accidents through their employer. The saving shows the gap to the median standard premium in the same place.
| City | Cheapest insurer 2027 | Premium per month | Cheapest 2026 | Standard (median) | Saving per year |
|---|---|---|---|---|---|
| Zurich 8001 | SanitasTelmed | CHF 384.05 | CHF 366.90 | CHF 515.20 | CHF 1'574 |
| Geneva 1201 | AssuraFlex | CHF 449.60 | CHF 442.70 | CHF 600.60 | CHF 1'812 |
| Basel 4051 | Groupe MutuelTelmed | CHF 439.60 | CHF 416.30 | CHF 563.40 | CHF 1'486 |
| Lausanne 1003 | AssuraTelmed | CHF 427.00 | CHF 412.20 | CHF 552.60 | CHF 1'507 |
| Bern 3011 | SanitasPractice | CHF 410.00 | CHF 388.30 | CHF 536.45 | CHF 1'517 |
| Winterthur 8400 | AssuraTelmed | CHF 342.50 | CHF 329.90 | CHF 448.90 | CHF 1'277 |
| Lucerne 6003 | SanitasPractice | CHF 325.55 | CHF 307.10 | CHF 427.70 | CHF 1'226 |
| St. Gallen 9000 | SanitasPractice | CHF 346.05 | CHF 326.90 | CHF 439.00 | CHF 1'115 |
| Lugano 6900 | KPTPractice | CHF 473.00 | CHF 449.90 | CHF 592.00 | CHF 1'428 |
| Biel/Bienne 2502 | SanitasPractice | CHF 410.00 | CHF 388.30 | CHF 536.45 | CHF 1'517 |
| Zug 6300 | HelsanaPractice | CHF 213.20 | CHF 196.00 | CHF 294.90 | CHF 980 |
| Aarau 5000 | SanitasPractice | CHF 342.45 | CHF 326.25 | CHF 444.20 | CHF 1'221 |
Premium region of the postcode shown, cheapest tariff of all insurers and models. The cheapest insurer is not automatically the best: service, claims handling and your supplementary cover matter too. Source: FOPH open dataset «Krankenversicherungsprämien». Your postcode in the calculator →
Basic cover is the same at every insurer, and every insurer has to accept you for basic insurance, so switching often pays off. Your cancellation has to reach your current insurer by 30 November 2026; the new insurer then covers you from 1 January 2027. Our switching guide walks you through it.
If you rarely have health costs, a higher deductible (up to CHF 2,500) lowers your premium. If you have regular doctor or medication costs, a low deductible is often better. See how to choose your deductible.
Practice, Telmed and Flex models are cheaper than the standard model because you first contact a designated point of care. According to the FOPH, you can change your model until the end of November. Our guide to the models explains the differences.
People on modest incomes are entitled to an individual premium reduction (IPV) from their canton of residence. Each canton sets its own rules and procedure.
Basic and supplementary insurance can be with different insurers. Only cancel supplementary cover once the new policy is confirmed in writing; supplementary insurance has its own notice periods in the policy conditions.
If you move to Switzerland, you must take out basic health insurance within three months. Deadlines, backdated cover and choosing your first insurer are explained in our guide for new arrivals.
Enter your postcode and age to see the cheapest insurers in your premium region. Pick your current insurer to see how much your premium changes from 2026.
Source: official premiums 2027 approved by the Federal Office of Public Health (dataset "Krankenversicherungsprämien", opendata.swiss) and the official premium regions. Cheapest tariff per insurer and model. No guarantee; the insurers' policies prevail.
+ {n} more offers in your region {name} costs you from {price}/mo — potential saving up to {save} per year. {name} is already among the cheapest insurers in your region — deductible and model are still worth a look.Four steps before 30 November, ideally in this order.
1. Compare premiums
See what every insurer costs at your postcode, with official FOPH data.
Go to the calculator →2. Check your deductible
The right deductible often saves several hundred francs, whether you switch or not.
Choosing a deductible →3. Check your model
Practice, Telmed and Flex models are cheaper; basic cover stays the same.
Models compared →4. Mark the deadline
30 November 2026: what counts is when your cancellation reaches the insurer, not the postmark.
How to switch →According to the Federal Office of Public Health (FOPH), the average premium rises by +5.0% to CHF 412 a month in 2027. By age: adults +4.9%, young adults (19–25) +4.8%, children +4.6%. Your own change depends on your canton, premium region, insurer, deductible and model, so check your postcode in the calculator on this page.
According to the FOPH, the average premium rises by between +3.0% and +6.6% depending on the canton: most in Jura, least in Glarus. Our estimate for all 26 cantons, based on the FOPH tariff data, is in the table on this page.
Across all premium regions (standard model, adults, deductible CHF 300), CSS raises premiums the most (median +7.1%) and vita surselva the least (+1.8%). The same insurer can raise premiums very differently from one region to the next; what counts is your premium in your region.
Premiums have to cover the expected costs of every insurer in every canton, and those keep rising: by 5.3% in 2025, and the federal government expects +4.7% for 2026 and +5.0% for 2027. The main drivers named by the FOPH are more treatments per patient, medical and technological progress and an ageing population. Since 2024, higher cantonal tariffs for outpatient and inpatient care add to this. Costs for 2026 are harder to estimate because the switch to the new outpatient tariff (TARDOC and outpatient flat rates) has delayed many bills.
The average premium is CHF 412 a month in 2027 (+5.0%, +CHF 19.70). Adults pay CHF 487.60 on average, young adults CHF 338.80 and children CHF 128.10 a month (FOPH). The average premium is the total of all premiums paid in Switzerland divided by the number of insured people.
It depends on where you live, your age, deductible and model. Example: city of Zurich (postcode 8001), adults with a CHF 2,500 deductible and no accident cover: the cheapest in 2027 is Sanitas (Telmed) at CHF 384.05 a month. The calculator on this page shows the cheapest insurer for your postcode, and the city table covers the largest Swiss cities.
From 2027 the FOPH groups family-doctor and HMO models as «Praxis» (practice): your first point of contact is a designated practice or health centre. «Flex» is new and lets you choose between several first points of contact, for example a practice or telemedicine. Telmed and app models are now called «Telmed/digital», and there is a new «pharmacy» category.
Your insurer has to send you your new premium in writing by 31 October 2026 at the latest. The FOPH publishes all approved premiums at the end of September, so you can already compare every insurer in your premium region in the calculator.
Your cancellation of basic insurance has to reach your current insurer by 30 November 2026 (send it by registered post, early). You are then insured with the new insurer from 1 January 2027. Supplementary insurance has its own notice periods, set out in your policy conditions.
Often, yes: basic cover is identical at every insurer, the premiums are not. In the city of Zurich the cheapest and the most expensive insurer are up to CHF 2'587 a year apart in 2027. The right deductible and a managed-care model (practice, Telmed, Flex) often save several hundred francs more. If you have supplementary insurance, have it checked before you switch.
Switching on 1 January 2027? Talk it through with us
Robert Kolar (25 years in health insurance) and Nicole Bohne (10 years in pensions and relocation), independent and FINMA-registered. 45 minutes by video, free and without obligation.
