Premiums 2027: what changes for you
According to the FOPH, the average premium in 2027 is CHF 412.00 per month, +5.0 % compared with 2026. Here you see the change by canton, the cheapest insurer by canton and model, the biggest increases and decreases, and what you can do now.
Updated on
Tuesday, 14:00: media conference of the Federal Office of Public Health (FOPH)
The 2027 premiums approved by the FOPH are in the premium calculator and on this page. Your insurer will send you the new premium by the end of October at the latest.
How premiums change in 2027
Official, weighted. Source: FOPH, press release of 29.09.2026 on health insurance premiums 2027
Our own calculation: the unweighted average of standard premiums changes by +4.0 % (CHF 583.29 → CHF 606.62 per month). Reference: adults aged 26 and over, CHF 300 deductible, with accident cover, standard model; per insurer and premium region, the lowest standard tariff.
| Canton | FOPH, average premium | Ø standard 2026 | Ø standard 2027 | Change |
|---|---|---|---|---|
| Aargau | CHF 390.50 (+5.6 %) | CHF 569.15 | CHF 596.25 | +4.8 % |
| Jura | CHF 462.30 (+6.6 %) | CHF 681.63 | CHF 714.50 | +4.8 % |
| Solothurn | CHF 417.50 (+6.0 %) | CHF 603.85 | CHF 632.73 | +4.8 % |
| Zurich | CHF 404.40 (+5.8 %) | CHF 591.21 | CHF 619.43 | +4.8 % |
| Appenzell Outer Rhodes | CHF 354.30 (+4.0 %) | CHF 548.84 | CHF 574.62 | +4.7 % |
| Thurgau | CHF 364.60 (+5.0 %) | CHF 548.68 | CHF 573.73 | +4.6 % |
| Lucerne | CHF 354.30 (+4.4 %) | CHF 536.89 | CHF 561.27 | +4.5 % |
| Schaffhausen | CHF 401.20 (+6.4 %) | CHF 575.11 | CHF 601.15 | +4.5 % |
| Appenzell Inner Rhodes | CHF 285.50 (+5.9 %) | CHF 458.70 | CHF 479.03 | +4.4 % |
| Nidwalden | CHF 339.90 (+5.3 %) | CHF 496.61 | CHF 517.57 | +4.2 % |
| Uri | CHF 317.40 (+4.5 %) | CHF 500.25 | CHF 520.57 | +4.1 % |
| Basel-Country | CHF 462.20 (+4.3 %) | CHF 663.12 | CHF 689.38 | +4.0 % |
| Ticino | CHF 519.90 (+3.7 %) | CHF 719.65 | CHF 748.50 | +4.0 % |
| Bern | CHF 420.20 (+5.4 %) | CHF 620.40 | CHF 644.50 | +3.9 % |
| Fribourg | CHF 385.60 (+5.2 %) | CHF 586.29 | CHF 609.20 | +3.9 % |
| Glarus | CHF 365.00 (+3.0 %) | CHF 537.32 | CHF 558.16 | +3.9 % |
| St. Gallen | CHF 358.40 (+5.0 %) | CHF 549.46 | CHF 570.83 | +3.9 % |
| Schwyz | CHF 355.00 (+4.8 %) | CHF 523.11 | CHF 543.33 | +3.9 % |
| Obwalden | CHF 327.40 (+4.2 %) | CHF 504.24 | CHF 523.59 | +3.8 % |
| Basel-City | CHF 491.30 (+4.5 %) | CHF 719.06 | CHF 745.76 | +3.7 % |
| Graubünden | CHF 360.30 (+4.3 %) | CHF 538.60 | CHF 558.66 | +3.7 % |
| Valais | CHF 390.20 (+5.6 %) | CHF 554.86 | CHF 574.86 | +3.6 % |
| Neuchâtel | CHF 468.90 (+5.4 %) | CHF 713.43 | CHF 736.92 | +3.3 % |
| Zug | CHF 276.20 (+4.4 %) | CHF 435.56 | CHF 447.70 | +2.8 % |
| Vaud | CHF 454.50 (+3.5 %) | CHF 679.02 | CHF 696.57 | +2.6 % |
| Geneva | CHF 508.60 (+4.4 %) | CHF 763.66 | CHF 778.35 | +1.9 % |
Source: FOPH, health insurance premiums 2027, opendata.swiss; localities © swisstopo; as at 15.10.2026. Averages: our own calculation, unweighted (not based on the number of insured people).
Cheapest insurer by canton 2027
Reference: adults aged 26 and over, CHF 300 deductible, with accident cover, monthly premium. Cheapest tariff per model type across all premium regions of the canton. Whether a model is offered where you live is shown in the premium calculator.
| Canton | Standard | GP/HMO | Flex | Telemedicine and others |
|---|---|---|---|---|
| Aargau | CHF 548.80 · Agrisano | CHF 496.15 · Sanitas | CHF 516.60 · Helsana | CHF 474.70 · Agrisano |
| Appenzell Inner Rhodes | CHF 436.00 · ÖKK | CHF 379.40 · ÖKK | CHF 390.70 · Helsana | CHF 376.70 · KPT |
| Appenzell Outer Rhodes | CHF 501.00 · Agrisano | CHF 460.90 · Agrisano | CHF 469.20 · SWICA | CHF 433.40 · Agrisano |
| Bern | CHF 541.20 · Agrisano (Region 3) | CHF 493.70 · ÖKK (Region 3) | CHF 504.90 · ÖKK (Region 3) | CHF 468.10 · Agrisano (Region 3) |
| Basel-Country | CHF 606.00 · ÖKK (Region 2) | CHF 539.40 · ÖKK (Region 2) | CHF 545.40 · ÖKK (Region 2) | CHF 525.00 · Agrisano (Region 2) |
| Basel-City | CHF 690.40 · SLKK | CHF 599.00 · CONCORDIA | CHF 602.60 · Assura | CHF 600.70 · Mutuel |
| Fribourg | CHF 551.00 · ÖKK (Region 2) | CHF 485.10 · Atupri (Region 2) | CHF 495.90 · ÖKK (Region 2) | CHF 479.50 · Aquilana (Region 2) |
| Geneva | CHF 711.20 · Assura | CHF 629.00 · SWICA | CHF 611.70 · Assura | CHF 629.10 · Sanitas |
| Glarus | CHF 523.80 · Agrisano | CHF 463.45 · Sanitas | CHF 475.20 · Helsana | CHF 453.10 · Agrisano |
| Graubünden | CHF 450.80 · curaulta (Region 3) | CHF 423.80 · curaulta (Region 3) | CHF 439.20 · ÖKK (Region 3) | CHF 421.80 · Agrisano (Region 3) |
| Jura | CHF 655.80 · Atupri | CHF 591.10 · Sanitas | CHF 597.00 · Assura | CHF 584.30 · Sanitas |
| Lucerne | CHF 468.65 · Luzerner Hinterland (Region 3) | CHF 445.20 · Luzerner Hinterland (Region 3) | CHF 465.90 · Assura (Region 3) | CHF 439.70 · Agrisano (Region 3) |
| Neuchâtel | CHF 675.60 · Atupri | CHF 597.60 · Agrisano | CHF 603.30 · Assura | CHF 583.40 · Agrisano |
| Nidwalden | CHF 461.50 · Agrisano | CHF 419.85 · Sanitas | CHF 439.15 · Sanitas | CHF 399.20 · Agrisano |
| Obwalden | CHF 474.00 · Agrisano | CHF 427.30 · CONCORDIA | CHF 445.00 · Helsana | CHF 410.00 · Agrisano |
| St. Gallen | CHF 488.00 · Agrisano (Region 3) | CHF 446.30 · Helsana (Region 3) | CHF 456.50 · Helsana (Region 3) | CHF 422.10 · Agrisano (Region 3) |
| Schaffhausen | CHF 514.50 · Agrisano (Region 2) | CHF 469.00 · ÖKK (Region 2) | CHF 485.10 · ÖKK (Region 2) | CHF 445.00 · Agrisano (Region 2) |
| Solothurn | CHF 582.40 · Agrisano | CHF 527.40 · CONCORDIA | CHF 540.60 · Atupri | CHF 503.80 · Agrisano |
| Schwyz | CHF 454.70 · Einsiedler Krankenkasse | CHF 444.50 · CONCORDIA | CHF 457.80 · Assura | CHF 434.70 · Agrisano |
| Thurgau | CHF 524.60 · Agrisano | CHF 464.80 · Atupri | CHF 479.70 · ÖKK | CHF 453.80 · Agrisano |
| Ticino | CHF 658.00 · Agrisano (Region 2) | CHF 582.10 · ÖKK (Region 2) | CHF 602.10 · Assura (Region 2) | CHF 569.20 · Agrisano (Region 2) |
| Uri | CHF 463.90 · Atupri | CHF 410.60 · Atupri | CHF 428.80 · Visana | CHF 401.50 · Agrisano |
| Vaud | CHF 614.40 · Galenos (Region 2) | CHF 561.30 · Assura (Region 2) | CHF 564.60 · Assura (Region 2) | CHF 559.10 · Philos (Region 2) |
| Valais | CHF 494.45 · Krankenkasse Visperterminen (Region 2) | CHF 454.50 · ÖKK (Region 2) | CHF 454.50 · ÖKK (Region 2) | CHF 429.00 · Agrisano (Region 2) |
| Zug | CHF 405.30 · Agrisano | CHF 355.80 · CONCORDIA | CHF 365.70 · Helsana | CHF 350.60 · Agrisano |
| Zurich | CHF 508.10 · Krankenkasse Wädenswil (Region 3) | CHF 467.20 · SLKK (Region 3) | CHF 473.00 · Assura (Region 3) | CHF 456.80 · SLKK (Region 3) |
Biggest increases and decreases
Standard premium per insurer and premium region (adults aged 26 and over, CHF 300 deductible, with accident cover), 2027 compared with 2026. Only insurers offering cover in the region in both years.
| Insurer | Canton, region | Previous year | New | Change |
|---|---|---|---|---|
| Sympany | Glarus, whole canton | CHF 546.00 | CHF 636.00 | +16.5 % |
| Sympany | Appenzell Inner Rhodes, whole canton | CHF 419.00 | CHF 478.00 | +14.1 % |
| Sympany | Obwalden, whole canton | CHF 499.00 | CHF 569.00 | +14.0 % |
| Sympany | Thurgau, whole canton | CHF 538.00 | CHF 610.00 | +13.4 % |
| rhenusana | Zurich, Region 3 | CHF 490.00 | CHF 552.60 | +12.8 % |
| Sympany | Bern, Region 2 | CHF 607.00 | CHF 682.00 | +12.4 % |
| Mutuel | Schwyz, whole canton | CHF 514.70 | CHF 578.10 | +12.3 % |
| Helsana | Fribourg, Region 1 | CHF 577.00 | CHF 647.00 | +12.1 % |
| Philos | Basel-City, whole canton | CHF 763.10 | CHF 854.70 | +12.0 % |
| Philos | Thurgau, whole canton | CHF 582.10 | CHF 652.00 | +12.0 % |
| Insurer | Canton, region | Previous year | New | Change |
|---|---|---|---|---|
| Helsana | Appenzell Inner Rhodes, whole canton | CHF 494.00 | CHF 444.00 | −10.1 % |
| Agrisano | Geneva, whole canton | CHF 913.80 | CHF 849.80 | −7.0 % |
| SLKK | St. Gallen, Region 3 | CHF 589.30 | CHF 549.70 | −6.7 % |
| Sumiswalder | Zug, whole canton | CHF 443.50 | CHF 421.40 | −5.0 % |
| SLKK | Graubünden, Region 3 | CHF 574.30 | CHF 548.10 | −4.6 % |
| Helsana | Zug, whole canton | CHF 430.00 | CHF 411.00 | −4.4 % |
| SLKK | Schaffhausen, Region 2 | CHF 554.90 | CHF 532.90 | −4.0 % |
| Glarner Krankenversicherung | Schwyz, whole canton | CHF 523.90 | CHF 504.30 | −3.7 % |
| Glarner Krankenversicherung | St. Gallen, Region 2 | CHF 537.95 | CHF 518.50 | −3.6 % |
| Glarner Krankenversicherung | St. Gallen, Region 1 | CHF 580.40 | CHF 560.70 | −3.4 % |
| Canton, region | 2026 | 2027 | Change | Insurers |
|---|---|---|---|---|
| Aargau, whole canton | CHF 569.15 | CHF 596.25 | +4.8 % | 27 |
| Appenzell Inner Rhodes, whole canton | CHF 458.70 | CHF 479.03 | +4.4 % | 23 |
| Appenzell Outer Rhodes, whole canton | CHF 548.84 | CHF 574.62 | +4.7 % | 23 |
| Bern, Region 1 | CHF 678.93 | CHF 703.34 | +3.6 % | 26 |
| Bern, Region 2 | CHF 609.96 | CHF 635.46 | +4.2 % | 26 |
| Bern, Region 3 | CHF 572.32 | CHF 594.69 | +3.9 % | 26 |
| Basel-Country, Region 1 | CHF 685.92 | CHF 712.35 | +3.9 % | 23 |
| Basel-Country, Region 2 | CHF 640.32 | CHF 666.40 | +4.1 % | 23 |
| Basel-City, whole canton | CHF 719.06 | CHF 745.76 | +3.7 % | 23 |
| Fribourg, Region 1 | CHF 609.41 | CHF 633.97 | +4.0 % | 23 |
| Fribourg, Region 2 | CHF 563.18 | CHF 584.43 | +3.8 % | 23 |
| Geneva, whole canton | CHF 763.66 | CHF 778.35 | +1.9 % | 21 |
| Glarus, whole canton | CHF 537.32 | CHF 558.16 | +3.9 % | 26 |
| Graubünden, Region 1 | CHF 570.58 | CHF 592.64 | +3.9 % | 24 |
| Graubünden, Region 2 | CHF 535.08 | CHF 554.34 | +3.6 % | 24 |
| Graubünden, Region 3 | CHF 510.15 | CHF 529.00 | +3.7 % | 24 |
| Jura, whole canton | CHF 681.63 | CHF 714.50 | +4.8 % | 21 |
| Lucerne, Region 1 | CHF 567.00 | CHF 590.95 | +4.2 % | 25 |
| Lucerne, Region 2 | CHF 530.02 | CHF 554.23 | +4.6 % | 25 |
| Lucerne, Region 3 | CHF 513.64 | CHF 538.63 | +4.9 % | 25 |
| Neuchâtel, whole canton | CHF 713.43 | CHF 736.92 | +3.3 % | 21 |
| Nidwalden, whole canton | CHF 496.61 | CHF 517.57 | +4.2 % | 26 |
| Obwalden, whole canton | CHF 504.24 | CHF 523.59 | +3.8 % | 26 |
| St. Gallen, Region 1 | CHF 582.50 | CHF 605.95 | +4.0 % | 25 |
| St. Gallen, Region 2 | CHF 542.68 | CHF 564.54 | +4.0 % | 25 |
| St. Gallen, Region 3 | CHF 523.22 | CHF 542.01 | +3.6 % | 25 |
| Schaffhausen, Region 1 | CHF 592.65 | CHF 620.05 | +4.6 % | 23 |
| Schaffhausen, Region 2 | CHF 557.57 | CHF 582.26 | +4.4 % | 23 |
| Solothurn, whole canton | CHF 603.85 | CHF 632.73 | +4.8 % | 25 |
| Schwyz, whole canton | CHF 523.11 | CHF 543.33 | +3.9 % | 28 |
| Thurgau, whole canton | CHF 548.68 | CHF 573.73 | +4.6 % | 23 |
| Ticino, Region 1 | CHF 744.60 | CHF 776.14 | +4.2 % | 21 |
| Ticino, Region 2 | CHF 694.69 | CHF 720.85 | +3.8 % | 21 |
| Uri, whole canton | CHF 500.25 | CHF 520.57 | +4.1 % | 26 |
| Vaud, Region 1 | CHF 700.32 | CHF 718.18 | +2.6 % | 21 |
| Vaud, Region 2 | CHF 657.71 | CHF 674.97 | +2.6 % | 21 |
| Valais, Region 1 | CHF 584.62 | CHF 607.26 | +3.9 % | 24 |
| Valais, Region 2 | CHF 527.24 | CHF 544.94 | +3.4 % | 26 |
| Zug, whole canton | CHF 435.56 | CHF 447.70 | +2.8 % | 27 |
| Zurich, Region 1 | CHF 647.36 | CHF 676.88 | +4.6 % | 27 |
| Zurich, Region 2 | CHF 582.28 | CHF 609.69 | +4.7 % | 27 |
| Zurich, Region 3 | CHF 544.00 | CHF 571.73 | +5.1 % | 27 |
Development since 2011
From 2011 to 2027 the average standard premium rose by 77.1%, from CHF 342.47 to CHF 606.62 per month. Reference: adults aged 26 and over, CHF 300 deductible, with accident cover, standard model with free choice of physicians.
Show as table
| Year | CHF per month | Change | Insurers |
|---|---|---|---|
| 2011 | CHF 342.47 | – | 76 |
| 2012 | CHF 361.85 | +5.7 % | 62 |
| 2013 | CHF 370.76 | +2.5 % | 61 |
| 2014 | CHF 381.38 | +2.9 % | 61 |
| 2015 | CHF 398.72 | +4.5 % | 59 |
| 2016 | CHF 415.71 | +4.3 % | 57 |
| 2017 | CHF 438.67 | +5.5 % | 53 |
| 2018 | CHF 456.18 | +4.0 % | 52 |
| 2019 | CHF 470.78 | +3.2 % | 51 |
| 2020 | CHF 476.43 | +1.2 % | 51 |
| 2021 | CHF 480.47 | +0.8 % | 50 |
| 2022 | CHF 480.30 | −0.0 % | 45 |
| 2023 | CHF 501.47 | +4.4 % | 44 |
| 2024 | CHF 537.46 | +7.2 % | 39 |
| 2025 | CHF 565.47 | +5.2 % | 37 |
| 2026 | CHF 583.29 | +3.2 % | 34 |
| 2027 | CHF 606.62 | +4.0 % | 32 |
Our own calculation, unweighted (not based on the number of insured people), from FOPH, health insurance premiums 2011–2027, opendata.swiss. It is higher than the FOPH’s weighted average premium, which also includes children, optional deductibles and alternative models. Methodology: How we calculate.
These deadlines count now
- 330 days leftSupplementary insurance (Insurance Contract Act)
Often the notice deadline for supplementary insurance for the end of the year, but only if the general terms and conditions of your product say so. Check your policy.
Source: Insurance Contract Act; general terms and conditions of the product
- 26 days leftBasic health insurance at the end of the year
Notice of cancellation of basic health insurance must reach the insurer by 30.11.; the postmark does not count. Applies to all deductibles and models; the switch takes effect on 01.01.
Source: Art. 7 para. 2 KVG
- 147 days leftBasic health insurance for 30.06.
Only with the standard deductible (CHF 300, children CHF 0) in the standard model: notice must reach the insurer by 31.03., the switch takes effect on 01.07. With an optional deductible or an alternative model, you can only switch at the end of the year.
Source: Art. 7 para. 1 KVG; Art. 94 para. 2 and Art. 100 para. 3 KVV
Saving after premium day
- Premium calculator · Premiums 2027Compare premiums 2027All insurers and models where you live, with total cost rather than just the premium.
- Switching centreSwitch insurerThree steps, cancellation letter and deadlines with legal articles. In basic health insurance the benefits are the same with every insurer.
- DeductibleCheck your deductibleIf you rarely see a doctor, a higher deductible often saves you more than switching. You can raise it with effect from 01.01. each year.
- ToolCreate a cancellation letterA letter to your health insurer as a PDF, with address and deadline. Your details stay in your browser.
Reminder by email
On 15.11. we remind you to cancel your basic health insurance, so that you can switch in time after comparing. No account needed, with a confirmation link and one-click unsubscribe.
Frequently asked questions
When are the health insurance premiums for 2027 published?
The Federal Office of Public Health (FOPH) approves the premiums and publishes them on 29.09.2026, 14:00 at a media conference. Approved premiums may not be published before then (Art. 16 para. 1 KVAG). Your insurer must tell you the new premium at least two months before 01.01. (Art. 7 para. 2 KVG).
How much will premiums rise in 2027?
According to the FOPH, the average premium for 2027 changes by +5.0 % to CHF 412.00 per month (adults CHF 487.60).
By when can I switch health insurer for 2027?
Your notice of cancellation of basic health insurance must reach your insurer by 30.11.2026; the postmark does not count. The switch takes effect on 01.01.2027. Supplementary insurance has its own deadlines under the general terms and conditions.
What is the average premium?
The average premium is a weighted average calculated by the FOPH across all age groups, deductibles and models (2026: CHF 393.30 per month, adults CHF 465.30). Our own averages on this page are unweighted and apply to a fixed reference (adults aged 26 and over, CHF 300 deductible, with accident cover, standard model). They are therefore higher and not comparable with the average premium.
How do I save the most after premium day?
Compare premiums where you live: in basic health insurance the benefits are the same with every insurer. Consider a GP, HMO or telemedicine model and a higher deductible if you rarely see a doctor. You can raise your deductible for the following year until 31.12.
Sources
- FOPH, health insurance premiums (opendata.swiss), premiums 2011–2027opendata.swiss
- FOPH, press release of 23.09.2025 on health insurance premiums 2026bag.admin.ch
- FOPH, press release of 29.09.2026 on health insurance premiums 2027bag.admin.ch
- admin.ch, media conference “Health insurance premiums 2027”, Tue 29.09.2026, 14:00–15:00, Federal Palace media centre (Federal Councillor Elisabeth Baume-Schneider, Anne Lévy, FOPH; page in German)admin.ch
- Federal Health Insurance Act (KVG), Art. 7Art. 7 para. 2 KVGfedlex.admin.ch
- Health Insurance Supervision Act (KVAG), Art. 16Art. 16 para. 1 KVAGfedlex.admin.ch