Skip to content
ubvo

Swiss health insurance premiums 2027

What you pay for basic health insurance depends heavily on where you live. Here are the figures for every canton and every premium region, with the trend since 2011 and what you can do yourself.

Median premium in Switzerland 2027

CHF 596per month for one adult

CHF 24 more than in 2026 (+4.2 %)

Standard model with accident cover, CHF 300 deductible. Median across all 1,019 insurer offers (2027 premiums, FOPH).

Depending on the premium region, between CHF 444 (Premium region Zug) and CHF 771 (Premium region Geneva).

In 2011 it was CHF 332. Since then it has risen by 79.5 %.

Worth switching? Compare the 2027 premiums in your region and create the cancellation letter. It must reach your insurer by 30 November 2026. Switch health insurer

Premiums by canton 2027

From the cheapest to the most expensive canton. The value is the median across all offers in the canton. Where a canton has several premium regions, they lie above and below it.

RankCantonPremium/monthvs 2026
1ZugCHF 444+CHF 14
2AICHF 466+CHF 18
3NidwaldenCHF 513+CHF 20
4UriCHF 514+CHF 19
5ObwaldenCHF 518+CHF 17
6SchwyzCHF 545+CHF 24
7GraubündenCHF 551+CHF 13
7LucerneCHF 551+CHF 19
9GlarusCHF 553+CHF 18
10ARCHF 556+CHF 16
11St. GallenCHF 561+CHF 19
12ThurgauCHF 569+CHF 25
13ValaisCHF 585+CHF 24
14AargauCHF 599+CHF 29
15SchaffhausenCHF 602+CHF 26
16FribourgCHF 611+CHF 25
17ZurichCHF 618+CHF 27
18SolothurnCHF 624+CHF 18
19BernCHF 637+CHF 20
20BLCHF 688+CHF 29
21VaudCHF 694+CHF 21
22JuraCHF 704+CHF 26
23NeuchâtelCHF 730+CHF 31
24Basel-StadtCHF 734+CHF 30
25TicinoCHF 753+CHF 32
26GenevaCHF 771+CHF 19

Source: FOPH, premiums 2027 and 2011. Adults, standard model with accident cover, CHF 300 deductible.

How premiums have developed since 2011

Median monthly premium for one adult, 2011 to 2027. Pick a canton; the dashed line is Switzerland as a whole.

020040060080020112015202020252027ZH 618CH 596
Values as a table
YearZurichSwitzerland
2011CHF 348CHF 332
2012CHF 368CHF 350
2013CHF 377CHF 359
2014CHF 390CHF 370
2015CHF 409CHF 387
2016CHF 425CHF 404
2017CHF 447CHF 426
2018CHF 463CHF 443
2019CHF 482CHF 457
2020CHF 478CHF 462
2021CHF 480CHF 467
2022CHF 476CHF 467
2023CHF 508CHF 488
2024CHF 537CHF 526
2025CHF 568CHF 551
2026CHF 591CHF 572
2027CHF 618CHF 596

Every point is calculated the same way from the FOPH premium data for that year. These are the approved premiums at the start of the year, not what insured people paid on average: many choose a higher deductible or a cheaper model.

Rankings

Premiums are set per premium region, at most three per canton. All municipalities in a region pay exactly the same premium. That is why we rank cantons and regions, not municipalities.

Cheapest cantons

  1. ZugCHF 444
  2. Appenzell InnerrhodenCHF 466
  3. NidwaldenCHF 513

Most expensive cantons

  1. GenevaCHF 771
  2. TicinoCHF 753
  3. Basel-StadtCHF 734

Cheapest premium regions

  1. Premium region ZugCHF 444
    11 municipalities, e.g. Baar, Cham, Hünenberg
  2. Premium region Appenzell InnerrhodenCHF 466
    5 municipalities, e.g. Appenzell, Gonten, Oberegg
  3. Premium region NidwaldenCHF 513
    11 municipalities, e.g. Beckenried, Buochs, Dallenwil
  4. Premium region UriCHF 514
    19 municipalities, e.g. Altdorf (UR), Andermatt, Attinghausen
  5. Premium region ObwaldenCHF 518
    7 municipalities, e.g. Alpnach, Engelberg, Giswil

Most expensive premium regions

  1. Premium region GenevaCHF 771
    45 municipalities, e.g. Aire-la-Ville, Anières, Avully
  2. Premium region Ticino 1CHF 764
    70 municipalities, e.g. Agno, Alto Malcantone, Aranno
  3. Premium region Basel-StadtCHF 734
    3 municipalities, e.g. Basel, Bettingen, Riehen
  4. Premium region NeuchâtelCHF 730
    24 municipalities, e.g. Boudry, Brot-Plamboz, Cornaux
  5. Premium region Vaud 1CHF 721
    117 municipalities, e.g. Aclens, Allaman, Arnex-sur-Nyon

Largest increase since 2026

  1. Premium region Zurich 1+CHF 37 (+5.8 %)
    1 municipality, e.g. Zürich
  2. Premium region Neuchâtel+CHF 31 (+4.4 %)
    24 municipalities, e.g. Boudry, Brot-Plamboz, Cornaux
  3. Premium region Basel-Stadt+CHF 30 (+4.3 %)
    3 municipalities, e.g. Basel, Bettingen, Riehen
  4. Premium region Aargau+CHF 29 (+5.1 %)
    196 municipalities, e.g. Aarau, Aarburg, Abtwil
  5. Premium region Fribourg 2+CHF 29 (+5.2 %)
    94 municipalities, e.g. Attalens, Bas-Intyamon, Belmont-Broye

Only regions that exist in both years. A municipality moving to another region is not a premium increase.

Largest increase since 2011

  1. Appenzell Ausserrhoden+100.7 % (CHF 277 → 556)
  2. Nidwalden+97.3 % (CHF 260 → 513)
  3. Ticino+93.1 % (CHF 390 → 753)
  4. Valais+91.2 % (CHF 306 → 585)
  5. Solothurn+89.1 % (CHF 330 → 624)
Show all 42 premium regions
RankPremium regionPremium/monthvs 2026
1Premium region Zug11 municipalitiesCHF 444+CHF 14
2Premium region Appenzell Innerrhoden5 municipalitiesCHF 466+CHF 18
3Premium region Nidwalden11 municipalitiesCHF 513+CHF 20
4Premium region Uri19 municipalitiesCHF 514+CHF 19
5Premium region Obwalden7 municipalitiesCHF 518+CHF 17
6Premium region St. Gallen 323 municipalitiesCHF 534+CHF 18
7Premium region Graubünden 340 municipalitiesCHF 536+CHF 26
7Premium region Lucerne 355 municipalitiesCHF 536+CHF 27
9Premium region Valais 269 municipalitiesCHF 537+CHF 15
10Premium region Schwyz30 municipalitiesCHF 545+CHF 24
11Premium region Graubünden 245 municipalitiesCHF 547+CHF 12
12Premium region Lucerne 219 municipalitiesCHF 548+CHF 22
13Premium region Glarus3 municipalitiesCHF 553+CHF 18
14Premium region St. Gallen 244 municipalitiesCHF 554+CHF 16
15Premium region Appenzell Ausserrhoden20 municipalitiesCHF 556+CHF 16
16Premium region Thurgau80 municipalitiesCHF 569+CHF 25
17Premium region Zurich 3122 municipalitiesCHF 570+CHF 26
18Premium region Schaffhausen 224 municipalitiesCHF 579+CHF 22
19Premium region Lucerne 15 municipalitiesCHF 582+CHF 19
20Premium region Graubünden 115 municipalitiesCHF 586+CHF 13
21Premium region Fribourg 294 municipalitiesCHF 587+CHF 29
22Premium region Bern 3107 municipalitiesCHF 597+CHF 26
23Premium region Aargau196 municipalitiesCHF 599+CHF 29
23Premium region St. Gallen 18 municipalitiesCHF 599+CHF 22
25Premium region Valais 153 municipalitiesCHF 602+CHF 19
26Premium region Zurich 237 municipalitiesCHF 610+CHF 27
27Premium region Schaffhausen 12 municipalitiesCHF 611+CHF 14
28Premium region Solothurn104 municipalitiesCHF 624+CHF 18
29Premium region Fribourg 125 municipalitiesCHF 630+CHF 23
30Premium region Bern 2212 municipalitiesCHF 634+CHF 22
31Premium region Basel-Landschaft 265 municipalitiesCHF 656+CHF 21
32Premium region Zurich 11 municipalityCHF 677+CHF 37
33Premium region Vaud 2183 municipalitiesCHF 678+CHF 15
34Premium region Bern 115 municipalitiesCHF 700+CHF 18
35Premium region Basel-Landschaft 121 municipalitiesCHF 702+CHF 22
36Premium region Jura51 municipalitiesCHF 704+CHF 26
37Premium region Ticino 230 municipalitiesCHF 711+CHF 28
38Premium region Vaud 1117 municipalitiesCHF 721+CHF 23
39Premium region Neuchâtel24 municipalitiesCHF 730+CHF 31
40Premium region Basel-Stadt3 municipalitiesCHF 734+CHF 30
41Premium region Ticino 170 municipalitiesCHF 764+CHF 24
42Premium region Geneva45 municipalitiesCHF 771+CHF 19

Where you can save

Hardly anyone moves because of the premium. But two levers are in your own hands: the deductible and the insurance model.

Higher deductible (CHF 2,500)

With a CHF 2,500 deductible instead of 300, the median premium is CHF 128 a month lower, about CHF 1,540 a year. The law allows no more: the discount may be at most 70 % of the additional CHF 2,200, i.e. CHF 1,540 a year.

The 2,500 deductible pays off if your healthcare costs stay below about CHF 2,010 a year. Above that, you pay more than you save on the premium.

The calculation: up to CHF 300 in costs you pay everything yourself either way. Above that, with the 300 deductible you only pay a 10 % co-payment (at most CHF 700 a year). With the 2,500 deductible you pay the full amount, 90 centimes more per franc. At about CHF 2,010 in costs, the premium saving of CHF 1,540 is used up.

You can change the deductible for the start of the year. Anyone who regularly needs treatment or medication quickly goes above this threshold.

Family doctor, HMO or telemedicine model

If you agree to go to your family doctor, an HMO practice or a telephone advice line first, you pay less. Across Switzerland, the median premium of such models is CHF 65 a month lower than the standard model of the same insurer (3,964 offers compared).

The table shows the difference in your region. HMO models are not available in every municipality; they depend on a practice nearby.

Show savings by premium region
Premium regionSaving/month
Premium region Ticino 1CHF 87
Premium region GenevaCHF 87
Premium region NeuchâtelCHF 85
Premium region Basel-StadtCHF 85
Premium region Vaud 1CHF 81
Premium region Ticino 2CHF 80
Premium region Basel-Landschaft 1CHF 79
Premium region JuraCHF 77
Premium region Bern 1CHF 76
Premium region Vaud 2CHF 76
Premium region Zurich 1CHF 75
Premium region Fribourg 1CHF 72
Premium region SolothurnCHF 72
Premium region Basel-Landschaft 2CHF 70
Premium region Bern 2CHF 70
Premium region Zurich 2CHF 69
Premium region Schaffhausen 1CHF 68
Premium region Valais 1CHF 68
Premium region St. Gallen 1CHF 67
Premium region Graubünden 1CHF 66
Premium region Appenzell AusserrhodenCHF 65
Premium region AargauCHF 65
Premium region Fribourg 2CHF 65
Premium region Schaffhausen 2CHF 65
Premium region ThurgauCHF 63
Premium region St. Gallen 2CHF 63
Premium region Lucerne 1CHF 63
Premium region Zurich 3CHF 63
Premium region Graubünden 2CHF 62
Premium region Valais 2CHF 61
Premium region Bern 3CHF 61
Premium region SchwyzCHF 61
Premium region St. Gallen 3CHF 60
Premium region Graubünden 3CHF 59
Premium region Lucerne 2CHF 59
Premium region GlarusCHF 59
Premium region Lucerne 3CHF 59
Premium region ObwaldenCHF 56
Premium region NidwaldenCHF 56
Premium region UriCHF 54
Premium region Appenzell InnerrhodenCHF 49
Premium region ZugCHF 47

Source: FOPH, premiums 2027. Calculated per insurer and region, then the median across all insurers. This says nothing about any particular insurer.

Why premiums differ so much between cantons

Premiums cover the costs of basic health insurance. Where people use more healthcare per head, premiums are higher. In 2024 it was CHF 4,720 per insured person across Switzerland.

Highest costs per person: Ticino, Geneva, Basel-Stadt (2027 premiums: CHF 753, CHF 771, CHF 734). Lowest: Appenzell Innerrhoden, Uri, Obwalden (premiums: CHF 466, CHF 514, CHF 518).

Show costs and premium for all cantons
CantonCost/person 2024Premium 2027
TicinoCHF 5,890CHF 753
GenevaCHF 5,787CHF 771
Basel-StadtCHF 5,655CHF 734
NeuchâtelCHF 5,347CHF 730
Basel-LandschaftCHF 5,300CHF 688
VaudCHF 5,275CHF 694
JuraCHF 5,182CHF 704
BernCHF 4,800CHF 637
SolothurnCHF 4,752CHF 624
ZurichCHF 4,591CHF 618
SchaffhausenCHF 4,583CHF 602
ValaisCHF 4,506CHF 585
FribourgCHF 4,416CHF 611
AargauCHF 4,409CHF 599
GlarusCHF 4,188CHF 553
ThurgauCHF 4,172CHF 569
GraubündenCHF 4,106CHF 551
Appenzell AusserrhodenCHF 4,098CHF 556
St. GallenCHF 4,091CHF 561
SchwyzCHF 4,052CHF 545
LucerneCHF 4,022CHF 551
ZugCHF 3,879CHF 444
NidwaldenCHF 3,756CHF 513
ObwaldenCHF 3,696CHF 518
UriCHF 3,654CHF 514
Appenzell InnerrhodenCHF 3,408CHF 466

Source: FOPH, cost monitoring (MOKKE), gross benefits of basic health insurance per insured person, accounting year 2024. More recent years are not yet fully settled.

Premium subsidies

In 2024, 29.5 % of insured people in Switzerland received a premium subsidy, on average CHF 2,484 per person and year.

The cantons subsidise the premiums of people on modest incomes. Each canton decides who is entitled and how to apply.

Show all cantons
CantonShare subsidisedØ per person/year
Geneva43.9 %CHF 3,069
Uri37.5 %CHF 1,253
Vaud36.8 %CHF 2,922
Zurich36.6 %CHF 1,985
Schaffhausen35.5 %CHF 2,247
Graubünden32.0 %CHF 1,943
Ticino31.7 %CHF 3,445
Appenzell Innerrhoden30.1 %CHF 1,494
Jura28.5 %CHF 2,726
Nidwalden27.9 %CHF 1,702
Fribourg27.9 %CHF 2,313
Lucerne26.7 %CHF 2,034
Bern26.6 %CHF 2,257
Basel-Stadt26.6 %CHF 3,954
Obwalden25.2 %CHF 2,178
Aargau25.1 %CHF 2,098
Zug25.1 %CHF 2,361
Appenzell Ausserrhoden23.9 %CHF 2,718
Schwyz23.7 %CHF 2,229
Valais23.7 %CHF 2,578
Solothurn23.5 %CHF 2,625
Glarus22.8 %CHF 2,242
St. Gallen22.4 %CHF 2,591
Neuchâtel22.3 %CHF 3,670
Thurgau20.6 %CHF 2,761
Basel-Landschaft20.2 %CHF 3,220

Source: FOPH, statistics on compulsory health insurance, premium subsidies, data year 2024.

Frequently asked questions

Why does the premium depend on where you live?

Insurers set their premiums per canton; 11 cantons are also split into two or three premium regions. What counts are the costs per insured person there. Within a region, the same insurer charges the same premium everywhere.

When are next year’s premiums announced?

The FOPH publishes the approved premiums at the end of September each year. This page then shows the new year and the change from the previous year. If you want to switch basic insurer for the start of the year, your notice must reach the insurer by the end of November.

Is the CHF 2,500 deductible worth it?

Only if you use little healthcare. With the median premium saving of CHF 1,540 a year, the threshold is about CHF 2,010 in healthcare costs: below it the 2,500 deductible is cheaper, above it the 300 deductible.

My municipality is moving to another premium region. Will my premium go up?

A change of region is not a premium increase. Your municipality simply falls under another region’s tariff. Whether you pay more or less depends on whether the new region is more or less expensive.

Are these my insurer’s premiums?

No. The figure is the median across all insurers, i.e. the middle of the offers in a place. Your insurer may be above or below it. The federal government’s official premium calculator, priminfo.admin.ch, compares all insurers.

Method and sources

  • Premiums 2027: FOPH, approved premiums of compulsory health insurance (opendata.bagnet.ch). Adults aged 26 and over, standard model with accident cover, CHF 300 deductible, monthly premium. Median across all offers (an offer is one insurer in one premium region), unweighted. Assignment of municipalities to regions: priminfo.admin.ch.
  • Trend 2011–2027: the same calculation for every year, from the premium file the FOPH published on the respective announcement day. The cantonal value is the median across all offers in the canton, whatever the region. Retrieved on 2026-09-29.
  • Savings 2027: per insurer and region, the difference between the standard premium and the 2,500 deductible or the models with a restricted choice of doctor; median across all pairs.
  • Costs per person: FOPH cost monitoring, accounting year 2024. Premium subsidies: FOPH statistics on compulsory health insurance, data year 2024.
  • Change from the previous year: appears as soon as the next year’s premiums are loaded. Where the FOPH assigns a municipality to a different premium region, we show no price comparison there. The difference is not an increase.

FOPH premium data (opendata.swiss)FOPH cost dataFOPH premium subsidy dataAll sourcesDownload data (CSV)Download premium regions (CSV)

Interactive map
All municipalities coloured, with the premium layer.
Full cost-of-living index
Tax + premium + electricity together: the real annual cost per municipality.
Your address, calculated precisely
The Dossier calculates at address level with your family, deductible and 60+ factors.