Health insurance St. Gallen 2026 – compare premiums & save
Compare 2026 health insurance premiums for the canton of St. Gallen — data-driven and insurer-neutral. See which insurer is cheapest in your premium region and how much you can save per year.
Which health insurer is cheapest in St. Gallen?
In the canton of St. Gallen, 2026 health insurance premiums vary noticeably by premium region, model and deductible. The canton is split into three FOPH premium regions, with the city of St. Gallen (region 1) tending to have the highest level. An insurer-neutral comparison of basic insurance reveals savings potential of several hundred francs per year for identical statutory benefits.
Cheapest and most expensive health insurer in St. Gallen
Premiums for a reference profile in the city of St. Gallen (postcode 9000, premium region 1), sorted from the cheapest to the most expensive insurer. Adjust the model and deductible.
Reference profile: adult (age 35), with accident cover, Standard model, deductible CHF 2'500, postcode 9000 (premium region 1). Premiums vary by premium region, age, model and deductible.
For this profile, roughly CHF 1'560 per year separates the cheapest from the most expensive insurer — for identical statutory benefits.
| # | Health insurer | Plan | Premium / month | Premium / year |
|---|---|---|---|---|
| 1 | Agrisanocheapest | Grundversicherung | CHF 408 / mo. | CHF 4'896 |
| 2 | Sanitas | Grundversicherung | CHF 423 / mo. | CHF 5'076 |
| 3 | ÖKK | Grundversicherung | CHF 424 / mo. | CHF 5'088 |
| 4 | Sumiswalder Krankenkasse | Grundversicherung | CHF 427 / mo. | CHF 5'124 |
| 5 | Atupri | Grundversicherung | CHF 431 / mo. | CHF 5'172 |
| 6 | Vivao Sympany | Grundversicherung | CHF 433 / mo. | CHF 5'196 |
| 7 | Aquilana | Grundversicherung | CHF 438 / mo. | CHF 5'256 |
| 8 | CONCORDIA | Grundversicherung | CHF 441 / mo. | CHF 5'292 |
| 9 | Helsana | Grundversicherung | CHF 441 / mo. | CHF 5'292 |
| 10 | CSS | Grundversicherung | CHF 444 / mo. | CHF 5'328 |
| 11 | Avenir Assurance | Grundversicherung | CHF 445 / mo. | CHF 5'340 |
| 12 | sana24 | Grundversicherung | CHF 446 / mo. | CHF 5'352 |
| 13 | KPT | Grundversicherung | CHF 449 / mo. | CHF 5'388 |
| 14 | EGK | Grundversicherung | CHF 449 / mo. | CHF 5'388 |
| 15 | Glarner Krankenversicherung | Grundversicherung | CHF 452 / mo. | CHF 5'424 |
| 16 | rhenusana | Grundversicherung | CHF 453 / mo. | CHF 5'436 |
| 17 | SWICA | Grundversicherung | CHF 454 / mo. | CHF 5'448 |
| 18 | vita surselva | Grundversicherung | CHF 457 / mo. | CHF 5'484 |
| 19 | Einsiedler Krankenkasse | Grundversicherung | CHF 463 / mo. | CHF 5'556 |
| 20 | Galenos | Grundversicherung | CHF 464 / mo. | CHF 5'568 |
| 21 | Assura | Grundversicherung | CHF 467 / mo. | CHF 5'604 |
| 22 | Mutuel Assurance | Grundversicherung | CHF 475 / mo. | CHF 5'700 |
| 23 | Visana | Grundversicherung | CHF 509 / mo. | CHF 6'108 |
| 24 | SLKK | Grundversicherung | CHF 534 / mo. | CHF 6'408 |
| 25 | Philosmost expensive | Grundversicherung | CHF 538 / mo. | CHF 6'456 |
The three premium regions in the canton of St. Gallen
The FOPH divides St. Gallen into three premium regions. The cheapest insurer per region (reference profile, standard model, CHF 2'500 deductible) shows the differing price levels.
City of St. Gallen and agglomeration
e.g. Flawil, Goldach, Kirchberg (SG)
rural areas, e.g. Toggenburg (Mosnang)
Region allocation and premiums per FOPH 2026. Example municipalities are for orientation.
St. Gallen compared across Switzerland
For our reference profile in the city of St. Gallen, the cheapest insurer costs around CHF 408 per month, and the average of insurers is around CHF 455. For context: the mean monthly premium in Switzerland for 2026 is CHF 393.30 (FOPH, across all age groups).
The reference profile (adult, age 35) is not directly comparable to the Switzerland-wide mean premium across all age groups, but gives a sense of the level. All values are calculated from the 2026 FOPH premium data.
Premium reduction (IPV) in the canton of St. Gallen
People with a low or middle income in the canton of St. Gallen can receive a premium reduction. The SVA St. Gallen is responsible. The income thresholds below are Switzerland-wide reference values (estimate), not officially verified St. Gallen figures.
Check your premium reduction eligibility| Single person | up to approx. CHF 45'000 |
| Couple | up to approx. CHF 60'000 |
| Single-parent family | up to approx. CHF 62'000 |
| Family | up to approx. CHF 80'000 |
Reference values, not a guarantee. The official criteria of the SVA St. Gallen (svasg.ch) are decisive.
Source / application: SVA St. Gallen, svasg.ch
Frequently asked questions about health insurance in St. Gallen
It depends on the premium region, the insurance model and the deductible. The canton of St. Gallen has three premium regions with different price levels. The comparison table above shows, for a reference profile in the city of St. Gallen (premium region 1), the cheapest through to the most expensive insurer, calculated continuously from the 2026 FOPH premium data.
Three. The Federal Office of Public Health (FOPH) divides St. Gallen into premium regions 1 to 3. Region 1 covers the city of St. Gallen and its agglomeration, region 3 more rural areas such as the Toggenburg. Within the same canton, premiums can differ noticeably by region.
People and families with a low or middle income can receive a premium reduction (IPV) in the canton of St. Gallen. The SVA St. Gallen (svasg.ch) is responsible. The income thresholds shown on this page are Switzerland-wide reference values, not officially verified St. Gallen figures, so check your eligibility with our IPV check.
The same rule applies across Switzerland for basic insurance: your cancellation must reach your current insurer by 30 November at the latest, and the switch then takes effect on 1 January. Acceptance into basic insurance is guaranteed and there are no health questions.
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