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Swiss premium atlas · Basic health insurancePremiums 2027

Health insurance premiums 2027 by canton, region and municipality

In the standard model, basic health insurance for adults (CHF 300 deductible, with accident cover) costs an average of CHF 606.62 a month across all insurers in 2027, +4.0% compared with 2026. The average is highest in the canton of Geneva (CHF 778.35) and lowest in the canton of Zug (CHF 447.70). 11 cantons are divided into two or three premium regions.

Source: FOPH, approved premiums 2011–2027 (opendata.swiss), retrieved on 15.10.2026 · Map © swisstopo · Sources

Interactive map · 2027

Premiums on the map

Choose the level and indicator, hover over an area or tap it. With the keyboard, Tab moves from canton to canton and Enter opens the canton page. Skip the map and go to the table.

Level
Indicator

Health insurance premiums 2027: standard model average, change from the previous year and cheapest premium by canton, premium region and municipality. Geodata © swisstopo (swissBOUNDARIES3D, as at 01.01.2026).
Average standard model by canton
  1. under CHF 540
  2. CHF 540 to under CHF 570
  3. CHF 570 to under CHF 610
  4. CHF 610 to under CHF 700
  5. CHF 700 and over
  6. no data
Change from previous year by canton
  1. under 3.5%
  2. 3.5% to under 4.0%
  3. 4.0% to under 4.5%
  4. 4.5% and over
  5. no data
Cheapest premium by canton
  1. under CHF 420
  2. CHF 420 to under CHF 440
  3. CHF 440 to under CHF 470
  4. CHF 470 to under CHF 560
  5. CHF 560 and over
  6. no data
Average standard model by premium region
  1. under CHF 540
  2. CHF 540 to under CHF 580
  3. CHF 580 to under CHF 610
  4. CHF 610 to under CHF 700
  5. CHF 700 and over
  6. no data
Change from previous year by premium region
  1. under 3.5%
  2. 3.5% to under 4.0%
  3. 4.0% to under 4.5%
  4. 4.5% and over
  5. no data
Cheapest premium by premium region
  1. under CHF 430
  2. CHF 430 to under CHF 460
  3. CHF 460 to under CHF 500
  4. CHF 500 to under CHF 570
  5. CHF 570 and over
  6. no data
Average standard model
Unweighted average of the monthly premiums of all insurers in the standard model (free choice of physicians), adults aged 26 and over, CHF 300 deductible, with accident cover; for each insurer, its cheapest standard tariff. Not an FOPH average (the FOPH weights by number of insured people).
Change from previous year
Change in the standard model average compared with the previous year, in per cent (same definition in both years).
Cheapest premium
Lowest monthly premium of all insurers across all models (standard, GP/HMO, telemedicine and others), adults aged 26 and over, CHF 300 deductible, with accident cover. Alternative models are sometimes only available in certain municipalities.
Table instead of map · 2027

All cantons as a table

Health insurance premiums 2027 by canton: standard model average, change from the previous year and cheapest premium (adults, CHF 300 deductible, with accident cover)
CantonAverage standard modelChange from previous yearCheapest premium
AargauCHF 596.25+4.8%CHF 474.70
Appenzell Inner RhodesCHF 479.03+4.4%CHF 376.70
Appenzell Outer RhodesCHF 574.62+4.7%CHF 433.40
Basel-CityCHF 745.76+3.7%CHF 599.00
Basel-CountryCHF 689.38+4.0%CHF 525.00
BernCHF 644.50+3.9%CHF 468.10
FribourgCHF 609.20+3.9%CHF 479.50
GenevaCHF 778.35+1.9%CHF 611.70
GlarusCHF 558.16+3.9%CHF 453.10
GraubündenCHF 558.66+3.7%CHF 421.80
JuraCHF 714.50+4.8%CHF 584.30
LucerneCHF 561.27+4.5%CHF 439.70
NeuchâtelCHF 736.92+3.3%CHF 583.40
NidwaldenCHF 517.57+4.2%CHF 399.20
ObwaldenCHF 523.59+3.8%CHF 410.00
SchaffhausenCHF 601.15+4.5%CHF 445.00
SchwyzCHF 543.33+3.9%CHF 434.70
SolothurnCHF 632.73+4.8%CHF 503.80
St. GallenCHF 570.83+3.9%CHF 422.10
ThurgauCHF 573.73+4.6%CHF 453.80
TicinoCHF 748.50+4.0%CHF 569.20
UriCHF 520.57+4.1%CHF 401.50
ValaisCHF 574.86+3.6%CHF 429.00
VaudCHF 696.57+2.6%CHF 559.10
ZugCHF 447.70+2.8%CHF 350.60
ZurichCHF 619.43+4.8%CHF 456.80
All 27 premium regions of the 11 cantons with several regions
Health insurance premiums 2027 by premium region
Premium regionAverage standard modelChange from previous yearCheapest premium
Basel-Country, region 1CHF 712.35+3.9%CHF 568.50
Basel-Country, region 2CHF 666.40+4.1%CHF 525.00
Bern, region 1CHF 703.34+3.6%CHF 568.70
Bern, region 2CHF 635.46+4.2%CHF 519.20
Bern, region 3CHF 594.69+3.9%CHF 468.10
Fribourg, region 1CHF 633.97+4.0%CHF 513.20
Fribourg, region 2CHF 584.43+3.8%CHF 479.50
Graubünden, region 1CHF 592.64+3.9%CHF 475.60
Graubünden, region 2CHF 554.34+3.6%CHF 433.00
Graubünden, region 3CHF 529.00+3.7%CHF 421.80
Lucerne, region 1CHF 590.95+4.2%CHF 474.60
Lucerne, region 2CHF 554.23+4.6%CHF 451.70
Lucerne, region 3CHF 538.63+4.9%CHF 439.70
Schaffhausen, region 1CHF 620.05+4.6%CHF 503.80
Schaffhausen, region 2CHF 582.26+4.4%CHF 445.00
St. Gallen, region 1CHF 605.95+4.0%CHF 494.60
St. Gallen, region 2CHF 564.54+4.0%CHF 441.10
St. Gallen, region 3CHF 542.01+3.6%CHF 422.10
Ticino, region 1CHF 776.14+4.2%CHF 616.70
Ticino, region 2CHF 720.85+3.8%CHF 569.20
Valais, region 1CHF 607.26+3.9%CHF 507.60
Valais, region 2CHF 544.94+3.4%CHF 429.00
Vaud, region 1CHF 718.18+2.6%CHF 584.30
Vaud, region 2CHF 674.97+2.6%CHF 559.10
Zurich, region 1CHF 676.88+4.6%CHF 535.10
Zurich, region 2CHF 609.69+4.7%CHF 493.00
Zurich, region 3CHF 571.73+5.1%CHF 456.80
26 canton pages

Premiums in your canton

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Open data, charts and widget

Frequently asked questions

In which canton are health insurance premiums highest in 2027?

In the standard model for adults (CHF 300 deductible, with accident cover), the average of all insurers in 2027 is highest in Geneva (CHF 778.35), Ticino (CHF 748.50), Basel-City (CHF 745.76). The Swiss average is CHF 606.62 per month.

In which canton are health insurance premiums lowest?

The 2027 average is lowest in Zug (CHF 447.70), Appenzell Inner Rhodes (CHF 479.03), Nidwalden (CHF 517.57). With an alternative model and a higher deductible you pay considerably less in every canton; the map shows the cheapest premium per canton with the indicator “Cheapest premium”.

What is a premium region?

Cantons with large cost differences may be divided into up to three premium regions (FDHA Ordinance on Premium Regions, SR 832.106). In 2027 this applies to 11 cantons: Basel-Country, Bern, Fribourg, Graubünden, Lucerne, Schaffhausen, St. Gallen, Ticino, Valais, Vaud, Zurich. All municipalities in a region pay the same premium with the same insurer; that is why the municipality level of the map shows the values of the region.

Why does the atlas not show the FOPH “average premium”?

The FOPH average premium is weighted by the number of insured people and covers all age groups, deductibles and models (2027: CHF 412.00 per month according to the FOPH, press release of 29.09.2026). The atlas calculates its own figures from the approved premiums of all insurers, without weighting, for a fixed reference person. That makes cantons, regions and years directly comparable.

May I use the figures from the atlas?

Yes. Under “Open data” all averages and minimums are available as CSV, with licence and suggested citation. The underlying data comes from the FOPH (opendata.swiss), the base map from swisstopo.

Sources

  1. FOPH, health insurance premiums 2011–2027 (opendata.swiss), retrieved on 15.10.2026opendata.swiss
  2. FOPH, priminfo.admin.ch, premium regions 2027, as at 15.10.2026priminfo.admin.ch
  3. swisstopo, swissBOUNDARIES3D (edition 2026-01) (© swisstopo)swisstopo.admin.ch
  4. FDHA Ordinance on Premium RegionsSR 832.106fedlex.admin.ch
  5. FOPH, press release of 29.09.2026 on health insurance premiums 2027bag.admin.ch

Methodology: How we calculate