Adults · CHF 300 deductible · with accident cover · 2027
Premiums by canton and model
| Canton | Standard | GP/HMO | Flex | Telemedicine and other |
|---|---|---|---|---|
| Aargau | CHF 614.00 | CHF 515.80up to CHF 549.50 | CHF 546.50 | CHF 561.80 |
| Appenzell Inner Rhodes | CHF 466.00 | CHF 396.10up to CHF 419.40 | CHF 405.40 | CHF 421.70 |
| Appenzell Outer Rhodes | CHF 582.00 | CHF 494.70up to CHF 523.80 | CHF 506.30 | CHF 526.70 |
| Basel-City | CHF 733.00 | CHF 608.40up to CHF 652.40 | CHF 637.70 | CHF 663.40 |
| Basel-Country2 premium regions | CHF 666.00up to CHF 712.00 | CHF 559.40up to CHF 630.10 | CHF 579.40up to CHF 619.40 | CHF 602.70up to CHF 644.40 |
| Bern3 premium regions | CHF 605.00up to CHF 718.00 | CHF 526.40up to CHF 642.60 | CHF 532.40up to CHF 574.40 | CHF 544.50up to CHF 649.80 |
| Fribourg2 premium regions | CHF 590.00up to CHF 651.00 | CHF 513.30up to CHF 563.10 | CHF 513.30up to CHF 566.40 | CHF 528.10up to CHF 585.90 |
| Geneva | CHF 791.00 | CHF 640.70up to CHF 680.30 | CHF 688.20 | CHF 707.90 |
| Glarus | CHF 583.00 | CHF 518.90 | CHF 518.90 | CHF 530.50 |
| Graubünden3 premium regions | CHF 535.00up to CHF 586.00 | CHF 449.40up to CHF 507.60 | CHF 462.80up to CHF 515.70 | CHF 484.20up to CHF 533.30 |
| Jura | CHF 726.00 | CHF 595.30up to CHF 646.10 | CHF 602.60 | CHF 660.70 |
| Lucerne3 premium regions | CHF 547.00up to CHF 602.00 | CHF 465.00up to CHF 529.80 | CHF 478.60up to CHF 520.70 | CHF 495.00up to CHF 553.80 |
| Neuchâtel | CHF 741.00 | CHF 629.90up to CHF 648.40 | CHF 644.70 | CHF 618.70 |
| Nidwalden | CHF 540.00 | CHF 472.50up to CHF 475.20 | CHF 475.20 | CHF 477.90 |
| Obwalden | CHF 531.00 | CHF 464.60up to CHF 467.30 | CHF 467.30 | CHF 451.40 |
| Schaffhausen2 premium regions | CHF 620.00up to CHF 648.00 | CHF 542.50up to CHF 563.80 | CHF 542.50up to CHF 563.80 | CHF 551.80up to CHF 580.00 |
| Schwyz | CHF 556.00 | CHF 480.90up to CHF 494.80 | CHF 489.30 | CHF 500.40 |
| Solothurn | CHF 654.00 | CHF 555.90up to CHF 562.40 | CHF 565.70 | CHF 595.10 |
| St. Gallen3 premium regions | CHF 558.00up to CHF 615.00 | CHF 474.30up to CHF 538.10 | CHF 488.30up to CHF 538.10 | CHF 505.00up to CHF 556.60 |
| Thurgau | CHF 573.00 | CHF 487.10up to CHF 507.10 | CHF 498.50 | CHF 518.60 |
| Ticino2 premium regions | CHF 754.00up to CHF 797.00 | CHF 607.00up to CHF 703.00 | CHF 653.50up to CHF 656.00 | CHF 682.40up to CHF 729.30 |
| Uri | CHF 516.00 | CHF 423.10up to CHF 461.80 | CHF 443.80 | CHF 469.60 |
| Valais2 premium regions | CHF 558.00up to CHF 624.00 | CHF 479.90up to CHF 539.80 | CHF 485.50up to CHF 542.90 | CHF 502.20up to CHF 558.50 |
| Vaud2 premium regions | CHF 710.00up to CHF 748.00 | CHF 592.90up to CHF 643.30 | CHF 609.60up to CHF 614.20 | CHF 646.10up to CHF 684.40 |
| Zug | CHF 457.00 | CHF 381.60up to CHF 409.00 | CHF 393.00 | CHF 411.30 |
| Zurich3 premium regions | CHF 617.00up to CHF 718.00 | CHF 487.40up to CHF 642.60 | CHF 536.80up to CHF 628.30 | CHF 564.60up to CHF 653.40 |
Each cell shows the lowest premium among the models of that type; “up to” = highest premium across premium regions and tariffs. Until 2026, telemedicine and other models cover all models that the FOPH lists as “other”. Source: FOPH, health insurance premiums 2027, opendata.swiss; localities © swisstopo; as of 15.10.2026
Total cost in the “healthy” scenario
Cheapest tariffs by canton
For each canton, the CSS tariff with the lowest premium. Total cost per year with CHF 500 in healthcare costs (premium plus deductible and retention fee, as in the calculator); saving compared with the CSS standard model in the same region.
Aargau
Hausarztversicherung Profit
Premium / month
515.80
CHF
Total / year
CHF 6,510
Saving
−1,178
CHF / year
Appenzell Inner Rhodes
Health practice insurance
Premium / month
396.10
CHF
Total / year
CHF 5,073
Saving
−839
CHF / year
Appenzell Outer Rhodes
Health practice insurance
Premium / month
494.70
CHF
Total / year
CHF 6,256
Saving
−1,048
CHF / year
Basel-City
Health practice insurance
Premium / month
608.40
CHF
Total / year
CHF 7,621
Saving
−1,495
CHF / year
Basel-Country
Health practice insurance · region 2
Premium / month
559.40
CHF
Total / year
CHF 7,033
Saving
−1,279
CHF / year
Bern
Hausarztversicherung Profit · region 3
Premium / month
526.40
CHF
Total / year
CHF 6,637
Saving
−943
CHF / year
Fribourg
Hausarztversicherung Profit · region 2
Premium / month
513.30
CHF
Total / year
CHF 6,480
Saving
−920
CHF / year
Geneva
Hausarztversicherung Profit
Premium / month
640.70
CHF
Total / year
CHF 8,008
Saving
−1,804
CHF / year
Glarus
Health practice insurance
Premium / month
518.90
CHF
Total / year
CHF 6,547
Saving
−769
CHF / year
Graubünden
Health practice insurance · region 3
Premium / month
449.40
CHF
Total / year
CHF 5,713
Saving
−1,027
CHF / year
Jura
Health practice insurance
Premium / month
595.30
CHF
Total / year
CHF 7,464
Saving
−1,568
CHF / year
Lucerne
Hausarztversicherung Profit · region 3
Premium / month
465.00
CHF
Total / year
CHF 5,900
Saving
−984
CHF / year
Neuchâtel
Callmed
Premium / month
618.70
CHF
Total / year
CHF 7,744
Saving
−1,468
CHF / year
Nidwalden
Hausarztversicherung Profit
Premium / month
472.50
CHF
Total / year
CHF 5,990
Saving
−810
CHF / year
Obwalden
Callmed
Premium / month
451.40
CHF
Total / year
CHF 5,737
Saving
−955
CHF / year
Schaffhausen
Health practice insurance · region 2
Premium / month
542.50
CHF
Total / year
CHF 6,830
Saving
−930
CHF / year
Schwyz
Health practice insurance
Premium / month
480.90
CHF
Total / year
CHF 6,091
Saving
−901
CHF / year
Solothurn
Hausarztversicherung Profit
Premium / month
555.90
CHF
Total / year
CHF 6,991
Saving
−1,177
CHF / year
St. Gallen
Hausarztversicherung Profit · region 3
Premium / month
474.30
CHF
Total / year
CHF 6,012
Saving
−1,004
CHF / year
Thurgau
Health practice insurance
Premium / month
487.10
CHF
Total / year
CHF 6,165
Saving
−1,031
CHF / year
Ticino
Hausarztversicherung Profit · region 2
Premium / month
607.00
CHF
Total / year
CHF 7,604
Saving
−1,764
CHF / year
Uri
Health practice insurance
Premium / month
423.10
CHF
Total / year
CHF 5,397
Saving
−1,115
CHF / year
Valais
Hausarztversicherung Profit · region 2
Premium / month
479.90
CHF
Total / year
CHF 6,079
Saving
−937
CHF / year
Vaud
Hausarztversicherung Profit · region 2
Premium / month
592.90
CHF
Total / year
CHF 7,435
Saving
−1,405
CHF / year
Zug
Health practice insurance
Premium / month
381.60
CHF
Total / year
CHF 4,899
Saving
−905
CHF / year
Zurich
Hausarztversicherung Profit · region 3
Premium / month
487.40
CHF
Total / year
CHF 6,169
Saving
−1,555
CHF / year
2026 → 2027
Change from the previous year
| Canton | 2026 | 2027 | Change | Average of all insurers |
|---|---|---|---|---|
| Aargau | CHF 563.00 | CHF 614.00 | +9.1% | +4.8% |
| Appenzell Inner Rhodes | CHF 435.00 | CHF 466.00 | +7.1% | +4.4% |
| Appenzell Outer Rhodes | CHF 559.00 | CHF 582.00 | +4.1% | +4.7% |
| Basel-City | CHF 684.00 | CHF 733.00 | +7.2% | +3.7% |
| Basel-Country | CHF 642.50 | CHF 689.00 | +7.2% | +4.0% |
| Bern | CHF 620.33 | CHF 657.33 | +6.0% | +3.9% |
| Fribourg | CHF 579.00 | CHF 620.50 | +7.2% | +3.9% |
| Geneva | CHF 743.00 | CHF 791.00 | +6.5% | +1.9% |
| Glarus | CHF 563.00 | CHF 583.00 | +3.6% | +3.9% |
| Graubünden | CHF 527.67 | CHF 561.67 | +6.4% | +3.7% |
| Jura | CHF 670.00 | CHF 726.00 | +8.4% | +4.8% |
| Lucerne | CHF 533.33 | CHF 571.00 | +7.1% | +4.5% |
| Neuchâtel | CHF 699.00 | CHF 741.00 | +6.0% | +3.3% |
| Nidwalden | CHF 507.00 | CHF 540.00 | +6.5% | +4.2% |
| Obwalden | CHF 496.00 | CHF 531.00 | +7.1% | +3.8% |
| Schaffhausen | CHF 601.50 | CHF 634.00 | +5.4% | +4.5% |
| Schwyz | CHF 515.00 | CHF 556.00 | +8.0% | +3.9% |
| Solothurn | CHF 606.00 | CHF 654.00 | +7.9% | +4.8% |
| St. Gallen | CHF 539.00 | CHF 580.67 | +7.7% | +3.9% |
| Thurgau | CHF 541.00 | CHF 573.00 | +5.9% | +4.6% |
| Ticino | CHF 724.50 | CHF 775.50 | +7.0% | +4.0% |
| Uri | CHF 480.00 | CHF 516.00 | +7.5% | +4.1% |
| Valais | CHF 550.50 | CHF 591.00 | +7.4% | +3.6% |
| Vaud | CHF 679.00 | CHF 729.00 | +7.4% | +2.6% |
| Zug | CHF 428.00 | CHF 457.00 | +6.8% | +2.8% |
| Zurich | CHF 600.33 | CHF 662.33 | +10.3% | +4.8% |
Reference: the insurer’s lowest standard tariff, averaged across its premium regions in the canton (adults, CHF 300 deductible, with accident cover). Source: FOPH premiums for both years.
Frequently asked questions
How much are CSS premiums in 2027?
For adults in the standard model with a CHF 300 deductible and accident cover, the monthly premium at CSS in 2027 ranges from CHF 457.00 (canton of Zug) to CHF 797.00 (canton of Ticino). With a higher deductible or a model, the premium is lower.
Which models does CSS offer?
In 2027, CSS has premiums for 4 model types: 1 tariff of the Standard type, 2 tariffs of the GP/HMO type, 1 tariff of the Flex type and 1 tariff of the Telemedicine and other type. Which of them apply where you live depends on the catchment area.
Is CSS more expensive than other insurers?
On average across all of the insurer’s premium regions, the 2027 index is 102.3 (100 = average of all insurers in the same regions; adults, standard model, CHF 300 deductible, with accident cover). This varies by canton; the table above shows every canton. For where you live, what counts is the comparison in the premium calculator.
Sources
- FOPH, register of approved health insurers, as of 01.01.2026priminfo.admin.ch
- FOPH, health insurance premiums 2011–2027 (opendata.swiss)opendata.swiss
- FOPH, supervisory data for compulsory health insurance (T 5.01), data as of 22.05.2025bag.admin.ch
- FOPH, KVG solvency test (KVD, reserves of health insurers)opendata.swiss
- CSS: website (address), retrieved on 25.09.2026css.ch
- CSS: website (physician search), retrieved on 25.09.2026css.ch
- CSS: website (contact), retrieved on 25.09.2026css.ch