Health insurance premiums Appenzell Outer Rhodes 2027
In the canton of Appenzell Outer Rhodes, basic health insurance in 2027 costs adults aged 26 and over in the standard model (CHF 300 deductible, with accident cover) an average of CHF 574.62 per month, +4.7% compared with 2026. This is the average of all 23 insurers (unweighted). The cheapest premium is CHF 433.40 (“Telemedicine and others” model, Agrisano). A single premium region applies to the whole canton.
Data as at: FOPH, premiums 2027, retrieved on · Sources · Methodology: How we calculate
Premiums in the canton of Appenzell Outer Rhodes 2027 in figures
- 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.
- Young adults and children
- Calculated in the same way as the standard model average: young adults aged 19 to 25, CHF 300 deductible, with accident cover; children up to 18, CHF 0 deductible, with accident cover. The average of all insurers is unweighted and is not an FOPH “average premium”.
Source: FOPH, health insurance premiums 2027, opendata.swiss, retrieved on 15.10.2026; our own calculation.
One region for the whole canton
A single premium region applies in the canton of Appenzell Outer Rhodes: an insurer’s premium is the same in all 20 municipalities. Differences only arise between insurers, models, deductibles and age groups.
Cheapest offers by model and age group
Lowest monthly premium in the canton of Appenzell Outer Rhodes in 2027 by model type, with accident cover. Children: up to 18, CHF 0 deductible, with accident cover; young adults: aged 19 to 25, CHF 300 deductible, with accident cover; adults: aged 26 and over, CHF 300 deductible, with accident cover. Alternative models are sometimes only available in certain municipalities; the premium calculator shows whether an offer applies where you live. Models: Standard (free choice of physicians), GP/HMO (GP practice or HMO first), Flex (several first points of contact to choose from), Telemedicine and others (advice by phone or online first (FOPH: “other models”)).
| Age group | Model | Cheapest premium | Insurer | Ø of all insurers |
|---|---|---|---|---|
| Children | Standard | CHF 110.20 | AgrisanoTariff BASE | CHF 138.17 |
| GP/HMO | CHF 101.40 | AgrisanoTariff AGRIeco | CHF 124.31 | |
| Flex | CHF 103.80 | AssuraTariff FeminaVita | CHF 128.80 | |
| Telemedicine and others | CHF 95.30 | AgrisanoTariff AGRIsmart | CHF 124.43 | |
| Young adults | Standard | CHF 359.05 | SanitasTariff BASE | CHF 425.45 |
| GP/HMO | CHF 336.40 | CSSTariff Gesundheitspraxisversicherung | CHF 382.94 | |
| Flex | CHF 348.30 | SanitasTariff MultiAccess | CHF 389.97 | |
| Telemedicine and others | CHF 316.30 | AgrisanoTariff AGRIsmart | CHF 384.64 | |
| Adults | Standard | CHF 501.00 | AgrisanoTariff BASE | CHF 574.62 |
| GP/HMO | CHF 460.90 | AgrisanoTariff AGRIeco | CHF 511.58 | |
| Flex | CHF 469.20 | SWICATariff Favorit Multichoice | CHF 511.53 | |
| Telemedicine and others | CHF 433.40 | AgrisanoTariff AGRIsmart | CHF 509.12 |
Source: FOPH, health insurance premiums 2027, opendata.swiss. Sorted by premium, never by remuneration.
Development since 2011
From 2011 to 2027 the standard model average in the canton of Appenzell Outer Rhodes rose by 102.5%, from CHF 283.83 to CHF 574.62 per month (+290.79 CHF). Across Switzerland the change was +77.1%. Reference: adults aged 26 and over, CHF 300 deductible, with accident cover.
Show as table
| Year | Appenzell Outer Rhodes | Switzerland | Change Appenzell Outer Rhodes |
|---|---|---|---|
| 2011 | CHF 283.83 | CHF 342.47 | – |
| 2012 | CHF 302.54 | CHF 361.85 | +6.6 % |
| 2013 | CHF 312.79 | CHF 370.76 | +3.4 % |
| 2014 | CHF 325.46 | CHF 381.38 | +4.1 % |
| 2015 | CHF 343.17 | CHF 398.72 | +5.4 % |
| 2016 | CHF 364.58 | CHF 415.71 | +6.2 % |
| 2017 | CHF 388.41 | CHF 438.67 | +6.5 % |
| 2018 | CHF 407.22 | CHF 456.18 | +4.8 % |
| 2019 | CHF 420.12 | CHF 470.78 | +3.2 % |
| 2020 | CHF 430.52 | CHF 476.43 | +2.5 % |
| 2021 | CHF 432.94 | CHF 480.47 | +0.6 % |
| 2022 | CHF 436.85 | CHF 480.30 | +0.9 % |
| 2023 | CHF 460.21 | CHF 501.47 | +5.3 % |
| 2024 | CHF 498.56 | CHF 537.46 | +8.3 % |
| 2025 | CHF 526.91 | CHF 565.47 | +5.7 % |
| 2026 | CHF 548.84 | CHF 583.29 | +4.2 % |
| 2027 | CHF 574.62 | CHF 606.62 | +4.7 % |
Our own calculation, unweighted (not based on the number of insured people), from FOPH, health insurance premiums 2011–2027, opendata.swiss. Not an FOPH “average premium” (which is weighted). Methodology: How we calculate.
Saving in the canton of Appenzell Outer Rhodes
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
Frequently asked questions
How high are health insurance premiums in the canton of Appenzell Outer Rhodes in 2027?
In the canton of Appenzell Outer Rhodes, basic health insurance in 2027 costs adults aged 26 and over in the standard model (CHF 300 deductible, with accident cover) an average of CHF 574.62 per month, +4.7% compared with 2026. This is the average of all 23 insurers (unweighted). The cheapest premium is CHF 433.40 (“Telemedicine and others” model, Agrisano). A single premium region applies to the whole canton. In the standard model, young adults (aged 19 to 25, CHF 300 deductible, with accident cover) CHF 425.45 and children (up to 18, CHF 0 deductible, with accident cover) CHF 138.17 per month on average.
Which health insurer is cheapest in the canton of Appenzell Outer Rhodes?
Across all models, Agrisano is cheapest at CHF 433.40 per month (“Telemedicine and others” model; adults aged 26 and over, CHF 300 deductible, with accident cover). In the standard model with free choice of physicians, Agrisano is cheapest at CHF 501.00. Which insurer is cheapest for you depends on your municipality, age, deductible and model; the premium calculator shows you.
Does the canton of Appenzell Outer Rhodes have several premium regions?
No. A single premium region applies in the canton of Appenzell Outer Rhodes: an insurer’s premium is the same in all 20 municipalities. Differences only arise between insurers, models, deductibles and age groups.
How have premiums in the canton of Appenzell Outer Rhodes developed since 2011?
From 2011 to 2027 the standard model average (adults aged 26 and over, CHF 300 deductible, with accident cover) rose by 102.5% or CHF 290.79 per month, from CHF 283.83 to CHF 574.62. Across Switzerland the change was +77.1%. Our own calculation from FOPH premium data, unweighted.
Are there premium subsidies in the canton of Appenzell Outer Rhodes?
Yes. The cantons reduce the premiums of insured people of modest means (Art. 65 KVG). Who is eligible, how much is paid and the deadline for applying are set by the canton of Appenzell Outer Rhodes itself. The cantonal office responsible for premium subsidies can give you information.
How do I switch health insurer in the canton of Appenzell Outer Rhodes?
Cancel your basic health insurance in writing with your insurer: your notice must arrive by 30.11.2026; the postmark does not count. The switch takes effect on 01.01.2027. Every insurer must accept you for basic health insurance, regardless of age and health (Art. 4 para. 2 KVG). Supplementary insurance has its own deadlines under the general terms and conditions.
Sources
- FOPH, health insurance premiums 2011–2027 (opendata.swiss), retrieved on 15.10.2026opendata.swiss
- FOPH, priminfo.admin.ch, premium regions 2027, as at 15.10.2026priminfo.admin.ch
- swisstopo, swissBOUNDARIES3D (edition 2026-01) (© swisstopo)swisstopo.admin.ch
- FDHA Ordinance on Premium RegionsSR 832.106fedlex.admin.ch
- Federal Health Insurance Act (KVG), Art. 4Art. 4 para. 2 KVGfedlex.admin.ch
- Federal Health Insurance Act (KVG), Art. 7Art. 7 para. 2 KVGfedlex.admin.ch
- Federal Health Insurance Act (KVG), Art. 65Art. 65 para. 1 KVGfedlex.admin.ch