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Health insurer comparison premiums 2027 Switzerland, sunny Alpine landscape with traditional chalets
Current premium round 2027

Health insurer comparison premiums 2027. Offset the increase, check your savings potential in a personal comparison.

Premiums are rising by an average of 5.0% across Switzerland in 2027. With our health insurer comparison you get your personal premium comparison in 2 minutes, by canton, age, deductible and model.

Calculate my 2027 premiumSee the overview
+5.0%
Avg. increase 2027
26
Cantons
Savings potential
in a personal comparison
2 min.
Comparison
The 2027 premium round at a glance

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

The Federal Office of Public Health (FOPH) has approved the 2027 health insurer premiums. On average, insured persons pay around 5 percent more than in 2026. 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 2027 now
Avg. adult premium Switzerland
2025
CHF 449.20
per month
2026
CHF 464.80
per month
2027
CHF 487.60
+4.9%

Mean adult premium according to the FOPH, all models and deductibles. Switching to a telemedicine model plus a CHF 2'500 deductible cuts the monthly premium to around CHF 400 depending on where you live, i.e. more than CHF 1'000 less per year.

The 4 savings levers 2027

How to noticeably cut your 2027 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 2027 by canton

Mean 2027 premiums for adults aged 26 and over according to the FOPH, all models and deductibles. Sort by name, premium or change, filter by region or search for your canton.

  • Geneva
    CHF 586
    CHF 611
    +4.3 %
  • Ticino
    CHF 583
    CHF 604
    +3.6 %
  • Basel-Stadt
    CHF 545
    CHF 571
    +4.8 %
  • Neuchâtel
    CHF 529
    CHF 559
    +5.7 %
  • Jura
    CHF 520
    CHF 551
    +6.0 %
  • Basel-Landschaft
    CHF 522
    CHF 545
    +4.4 %
  • Vaud
    CHF 527
    CHF 544
    +3.2 %
  • Bern
    CHF 470
    CHF 494
    +5.1 %
  • Solothurn
    CHF 467
    CHF 494
    +5.8 %
  • Zurich
    CHF 452
    CHF 477
    +5.5 %
  • Schaffhausen
    CHF 444
    CHF 470
    +5.9 %
  • Fribourg
    CHF 443
    CHF 465
    +5.0 %
  • Aargau
    CHF 440
    CHF 465
    +5.7 %
  • Valais
    CHF 439
    CHF 461
    +5.0 %
  • Thurgau
    CHF 414
    CHF 433
    +4.6 %
  • St. Gallen
    CHF 407
    CHF 427
    +4.9 %
  • Glarus
    CHF 417
    CHF 426
    +2.2 %
  • Appenzell A.Rh.
    CHF 406
    CHF 422
    +3.9 %
  • Lucerne
    CHF 403
    CHF 422
    +4.7 %
  • Schwyz
    CHF 398
    CHF 418
    +5.0 %
  • Graubünden
    CHF 401
    CHF 416
    +3.7 %
  • Nidwalden
    CHF 376
    CHF 397
    +5.6 %
  • Obwalden
    CHF 371
    CHF 387
    +4.3 %
  • Uri
    CHF 363
    CHF 378
    +4.1 %
  • Appenzell I.Rh.
    CHF 323
    CHF 340
    +5.3 %
  • Zug
    CHF 312
    CHF 325
    +4.2 %

26 of 26 cantons shown. Sorted by: premium 2027, descending.

Premium for my cantonHow to switch health insurer
Premiums 2027 by age group

What does the health insurer cost in 2027 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 128.10/ month
    2027 +CHF 5.70 vs. 2026

    A high deductible pays off only for healthy children.

  • Young adults
    19 to 25 years
    CHF 338.80/ month
    2027 +CHF 15.40 vs. 2026

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

  • Adults
    from age 26
    CHF 487.60/ month
    2027 +4.9% vs. 2026

    Switching model and insurer brings the biggest savings potential.

  • Seniors
    65+ years
    CHF 487.60/ month
    2027 +CHF 22.80 vs. 2026

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

Health insurer comparison for all age groups
Calculate your personal 2027 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 2027

The higher the deductible, the lower the monthly premium. Example adults, City of Zurich (premium region 1), standard model 2027 with accident cover, median of all insurers:

Comparison of monthly and annual premium 2027 by deductible for adults in Zurich.
DeductibleMonthly premiumAnnual premiumSuitable for
CHF 300CHF 677CHF 8'124Frequent doctor visits, chronically ill
CHF 500CHF 666.4CHF 7'997Several doctor visits per year
CHF 1'000CHF 636.4CHF 7'637Occasional doctor visits, healthy
CHF 1'500CHF 608.1CHF 7'297Rarely at the doctor
CHF 2'000CHF 580.6CHF 6'967Very rarely at the doctor
CHF 2'500CHF 549.8CHF 6'598Practically 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 2027

The key dates for the 2027 health insurer comparison

  1. Step 1
    End of September 2026

    FOPH approves 2027 premiums

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

  2. Step 2
    October to November 2026

    Run the health insurer comparison

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

  3. Step 3
    30 November 2026

    Submit the cancellation

    The registered letter must have arrived, otherwise the old insurer remains in force for 2027.

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 2027 checklist

Get to your optimal 2027 premium in 6 steps

Follow this list and your health insurer for 2027 is fully optimised, without stress and without a gap in coverage.

Start now
  1. 1
    Open the current 2027 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 2025 to 2027 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 the mean adult premiums according to the FOPH (Priminfo); for cantons with several premium regions they are population-weighted and rounded to whole francs. 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 2027 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 2027, briefly explained

The most important answers on premiums, switching, deadlines and savings options for 2027.

Why are health insurer premiums rising again in 2027?

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 2027?

Geneva, Basel-Stadt and Ticino remain the most expensive cantons in 2027. 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 2027 for an adult?

The average premium for adults in 2027 is around CHF 487.60 per month (mean adult premium, FOPH 2027). With model and deductible optimisation, monthly premiums of around CHF 400 are realistic.

How does the health insurer comparison work for 2027?

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 2027, in 2 minutes and free of charge.

Until when can I switch health insurer for 2027?

The cancellation must have arrived at the old insurer by 30 November 2026 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 2027?

Yes. Every canton grants an individual premium reduction (IPV) in 2027, 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 2027?

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 2027 premium notice arrive?

The 2027 premium notice is sent by the health insurers from the end of September 2026 at the latest by the end of October 2026.

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.

2027 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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