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Health insurer comparison premiums 2026 Switzerland, sunny Alpine landscape with traditional chalets
Current premium round 2026

Health insurer comparison premiums 2026. Offset the increase, check your savings potential in a personal comparison.

Premiums are rising by an average of 4.4% across Switzerland in 2026. With our health insurer comparison you get your personal premium comparison in 2 minutes, by canton, age, deductible and model.

Calculate my 2026 premiumSee the overview
+4.4%
Avg. increase 2026
26
Cantons
Savings potential
in a personal comparison
2 min.
Comparison
The 2026 premium round at a glance

4.4 percent more, or several hundred francs less per year.

The Federal Office of Public Health (FOPH) has approved the 2026 health insurer premiums. On average, insured persons pay around 4.4 percent more than in 2025. Anyone running a health insurer comparison now fully offsets this increase in almost every case, and often saves significantly more.

Basic insurance benefits are identical by law at every insurer. You are only paying for the brand, not for more medicine.

Compare premiums 2026 now
Avg. adult premium Switzerland
2024
CHF 397
per month
2025
CHF 410
per month
2026
CHF 465.30
+4.4%

Standard model, deductible CHF 300, accident included. Switching to Telmedicine plus a CHF 2'500 deductible cuts the monthly premium to around CHF 268, i.e. CHF 1'920 less per year.

The 4 savings levers 2026

How to noticeably cut your 2026 premium

Four concrete levers. Usable individually, most effective combined.

  • Savings lever 1: Switch health insurer

    up to CHF 2'400
    per year

    With identical benefits, premiums between insurers differ by more than CHF 200 per month. The biggest lever.

  • Savings lever 2: Switch insurance model

    up to CHF 1'100
    per year

    Telmedicine, HMO or family doctor save up to 25 percent. Same statutory benefit catalogue.

  • Savings lever 3: Optimise the deductible

    up to CHF 1'500
    per year

    Anyone who rarely sees the doctor benefits from a high deductible. Anyone chronically ill benefits from a low one.

  • Savings lever 4: Family optimisation

    Check your savings potential
    per year

    Optimise per person: children, young adults and parents need different strategies.

Premiums by canton

Health insurer comparison 2026 by canton

Average 2026 premiums for adults, standard model, CHF 300 deductible. Sort by name, premium or change, filter by region or search for your canton.

  • Geneva
    CHF 480
    CHF 502
    +4.6 %
  • Basel-Stadt
    CHF 475
    CHF 496
    +4.4 %
  • Ticino
    CHF 462
    CHF 482
    +4.3 %
  • Vaud
    CHF 451
    CHF 471
    +4.4 %
  • Neuchâtel
    CHF 449
    CHF 469
    +4.5 %
  • Jura
    CHF 432
    CHF 451
    +4.4 %
  • Bern
    CHF 425
    CHF 443
    +4.2 %
  • Valais
    CHF 421
    CHF 439
    +4.3 %
  • Fribourg
    CHF 412
    CHF 430
    +4.4 %
  • Zurich
    CHF 410
    CHF 428
    +4.4 %
  • Solothurn
    CHF 398
    CHF 415
    +4.3 %
  • Schaffhausen
    CHF 393
    CHF 410
    +4.3 %
  • Basel-Landschaft
    CHF 391
    CHF 408
    +4.3 %
  • St. Gallen
    CHF 385
    CHF 402
    +4.4 %
  • Aargau
    CHF 378
    CHF 394
    +4.2 %
  • Graubünden
    CHF 374
    CHF 390
    +4.3 %
  • Thurgau
    CHF 370
    CHF 386
    +4.3 %
  • Lucerne
    CHF 365
    CHF 381
    +4.4 %
  • Schwyz
    CHF 357
    CHF 372
    +4.2 %
  • Glarus
    CHF 353
    CHF 368
    +4.2 %
  • Appenzell A.Rh.
    CHF 349
    CHF 365
    +4.6 %
  • Zug
    CHF 348
    CHF 363
    +4.3 %
  • Obwalden
    CHF 340
    CHF 354
    +4.1 %
  • Nidwalden
    CHF 332
    CHF 346
    +4.2 %
  • Uri
    CHF 327
    CHF 341
    +4.3 %
  • Appenzell I.Rh.
    CHF 312
    CHF 326
    +4.5 %

26 of 26 cantons shown. Sorted by: premium 2026, descending.

Premium for my cantonHow to switch health insurer
Premiums 2026 by age group

What does the health insurer cost in 2026 at your age?

The premium classes child, young adult, adult and senior differ significantly. With the right model, everyone saves.

  • Children
    0 to 18 years
    CHF 110/ month
    2026 +CHF 5 vs. 2025

    A high deductible pays off only for healthy children.

  • Young adults
    19 to 25 years
    CHF 295/ month
    2026 +CHF 12 vs. 2025

    Telmedicine + CHF 2'500 deductible is nearly always optimal.

  • Adults
    from age 26
    CHF 465.30/ month
    2026 +4.4% vs. 2025

    Switching model and insurer brings the biggest savings potential.

  • Seniors
    65+ years
    CHF 472/ month
    2026 +CHF 21 vs. 2025

    CHF 300 deductible + family-doctor model for predictable costs.

Health insurer comparison for all age groups
Calculate your personal 2026 premium in 2 minutes.

All insurers, all models, all deductibles, transparent and free.

Calculate now
Premiums by deductible

Which deductible is cheapest for me in 2026

The higher the deductible, the lower the monthly premium. Example adults Zurich, standard model 2026:

Comparison of monthly and annual premium 2026 by deductible for adults in Zurich.
DeductibleMonthly premiumAnnual premiumSuitable for
CHF 300CHF 428CHF 5'136Frequent doctor visits, chronically ill
CHF 500CHF 410CHF 4'920Several doctor visits per year
CHF 1'000CHF 378CHF 4'536Occasional doctor visits, healthy
CHF 1'500CHF 358CHF 4'296Rarely at the doctor
CHF 2'000CHF 338CHF 4'056Very rarely at the doctor
CHF 2'500CHF 318CHF 3'816Practically never at the doctor, young & healthy

Rule of thumb: As long as your expected health costs are below around CHF 1'700 per year, the highest deductible is worthwhile. Above that, often the lowest. The deductible calculator shows you the optimal choice in seconds.

Find the optimal deductibleEverything about the deductible
Deadlines premiums 2026

The key dates for the 2026 health insurer comparison

  1. Step 1
    End of September 2025

    FOPH approves 2026 premiums

    Your current insurer sends you the new premium notice. Time to compare.

  2. Step 2
    October to November 2025

    Run the health insurer comparison

    Check premiums of all insurers in 2 minutes, pick the optimal model and deductible.

  3. Step 3
    30 November 2025

    Submit the cancellation

    The registered letter must have arrived, otherwise the old insurer remains in force for 2026.

Tip: We prepare the cancellation letter for you, free of charge. Simply pick the new insurer in the calculator, and we send you the finished cancellation by post to sign.

Your 2026 checklist

Get to your optimal 2026 premium in 6 steps

Follow this list and your health insurer for 2026 is fully optimised, without stress and without a gap in coverage.

Start now
  1. 1
    Open the current 2026 premium notice

    Usually in the mailbox by the end of September.

  2. 2
    Start the health insurer comparison

    Enter place of residence, year of birth and deductible, done.

  3. 3
    Check the model (Telmedicine, HMO, family doctor)

    Alternative models can lead to noticeable discounts depending on the provider, with the same statutory benefit catalogue.

  4. 4
    Adjust the deductible to your health

    Rarely ill? Higher. Chronic? Lower.

  5. 5
    Pick the right insurer and secure the offer

    We prepare the contract and cancellation.

  6. 6
    Submit the cancellation by 30 November

    By registered mail, so the deadline is safely met.

Sources & currency

Where our premium values 2024 to 2026 come from

We use exclusively official and verifiable data sources. The values are updated with every new premium round and on significant changes.

Data base
FOPH-approved premiums

Note: The cantonal values are indicative model calculations for orientation. The effective premium depends on place of residence, premium region, age, insurer, deductible, model and accident cover. The personal premium is calculated in the premium calculator.

Why is a 2026 premium comparison worthwhile?

Health insurer premiums vary by place of residence, age, deductible, insurance model and accident cover. A comparison shows whether a different insurer, a different model or a different deductible can lead to a lower premium. The possible savings potential depends on these factors.

Frequently asked questions

Health insurer comparison premiums 2026, briefly explained

The most important answers on premiums, switching, deadlines and savings options for 2026.

Why are health insurer premiums rising again in 2026?

Health costs in Switzerland grow by 3 to 4 percent per year. Drivers are more expensive medication, more outpatient procedures and demographic development. With a health insurer comparison you usually offset this increase in full.

Which canton has the most expensive health insurer in 2026?

Geneva, Basel-Stadt and Ticino remain the most expensive cantons in 2026. The cheapest are Appenzell Innerrhoden, Uri and Nidwalden. Within the same canton, insurers often differ by more than CHF 2'000 per year.

What does the health insurer cost in 2026 for an adult?

The average premium for adults in 2026 is around CHF 465.30 per month (mean adult premium, FOPH 2026). With model and deductible optimisation, monthly figures below CHF 300 are realistic.

How does the health insurer comparison work for 2026?

You enter place of residence, year of birth, deductible and model. We compare all FOPH-recognised health insurers and show how much you save in 2026, in 2 minutes and free of charge.

Until when can I switch health insurer for 2026?

The cancellation must have arrived at the old insurer by 30 November 2025 at the latest. In case of a premium increase, an extraordinary cancellation right with the same deadline applies.

Do I lose benefits when switching health insurer?

No. Basic insurance is identical by law (KVG). Every Swiss health insurer must deliver exactly the same benefits, with no health check and no gap.

Is there a premium reduction in 2026?

Yes. Every canton grants an individual premium reduction (IPV) in 2026, depending on taxable income and wealth. Apply directly to the cantonal social insurance or tax office.

Why are premiums in French-speaking Switzerland higher in 2026?

Geneva, Vaud and Neuchâtel have higher per-capita health costs, more hospital services and a different care structure. This leads to significantly higher health insurer premiums.

When does the 2026 premium notice arrive?

The 2026 premium notice is sent by the health insurers from the end of September 2025 at the latest by the end of October 2025.

Is switching worthwhile despite loyalty discounts?

In basic insurance there are no loyalty discounts by law. Loyalty programmes only apply to supplementary insurance, switching basic insurance is always worthwhile.

2026 premium increase? Not for you.

Start the health insurer comparison and save several hundred francs per year, in 2 minutes, completely free.

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