Health insurance premiums Bern 2027
In the canton of Bern, 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 644.50 per month, +3.9% compared with 2026. This is the average of all 26 insurers (unweighted). The cheapest premium is CHF 468.10 (“Telemedicine and others” model, Agrisano). The canton has 3 premium regions.
Data as at: FOPH, premiums 2027, retrieved on · Sources · Methodology: How we calculate
Premiums in the canton of Bern 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.
3 regions, different premiums
- Region 1: Ø CHF 703.34
- Region 2: Ø CHF 635.46
- Region 3: Ø CHF 594.69
Insurers may vary their premiums by premium region. The FDHA decides which municipality belongs to which region. Each region has its own page listing all municipalities.
| Region | Ø standard model | Difference from the cheapest region | Cheapest premium | Municipalities |
|---|---|---|---|---|
| Region 1 | CHF 703.34 | +CHF 108.65 | CHF 568.70 | 15 |
| Region 2 | CHF 635.46 | +CHF 40.77 | CHF 519.20 | 212 |
| Region 3 | CHF 594.69 | cheapest | CHF 468.10 | 107 |
Cheapest offers by model and age group
Lowest monthly premium in the canton of Bern 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. The “Region” column shows the premium region where the offer applies. 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 | Region | Ø of all insurers |
|---|---|---|---|---|---|
| Children | Standard | CHF 119.10 | AgrisanoTariff BASE | Region 3 | CHF 152.16 |
| GP/HMO | CHF 108.70 | ÖKKTariff ÖKK CASAMED HMO | Region 3 | CHF 136.69 | |
| Flex | CHF 111.10 | ÖKKTariff ÖKK CASAMED SELECT | Region 3 | CHF 139.25 | |
| Telemedicine and others | CHF 103.00 | AgrisanoTariff AGRIsmart | Region 3 | CHF 136.89 | |
| Young adults | Standard | CHF 377.10 | SanitasTariff BASE | Region 3 | CHF 481.50 |
| GP/HMO | CHF 353.70 | VisanaTariff VIVA - Gesundheitsplan | Region 3 | CHF 430.46 | |
| Flex | CHF 365.80 | SanitasTariff MultiAccess | Region 3 | CHF 430.11 | |
| Telemedicine and others | CHF 341.80 | AgrisanoTariff AGRIsmart | Region 3 | CHF 432.65 | |
| Adults | Standard | CHF 541.20 | AgrisanoTariff BASE | Region 3 | CHF 644.50 |
| GP/HMO | CHF 493.70 | ÖKKTariff ÖKK CASAMED HMO | Region 3 | CHF 570.25 | |
| Flex | CHF 504.90 | ÖKKTariff ÖKK CASAMED SELECT | Region 3 | CHF 568.54 | |
| Telemedicine and others | CHF 468.10 | AgrisanoTariff AGRIsmart | Region 3 | CHF 573.28 |
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 Bern rose by 61.1%, from CHF 400.12 to CHF 644.50 per month (+244.38 CHF). Across Switzerland the change was +77.1%. Reference: adults aged 26 and over, CHF 300 deductible, with accident cover.
Show as table
| Year | Bern | Switzerland | Change Bern |
|---|---|---|---|
| 2011 | CHF 400.12 | CHF 342.47 | – |
| 2012 | CHF 419.10 | CHF 361.85 | +4.7 % |
| 2013 | CHF 427.67 | CHF 370.76 | +2.0 % |
| 2014 | CHF 435.46 | CHF 381.38 | +1.8 % |
| 2015 | CHF 448.89 | CHF 398.72 | +3.1 % |
| 2016 | CHF 461.99 | CHF 415.71 | +2.9 % |
| 2017 | CHF 480.01 | CHF 438.67 | +3.9 % |
| 2018 | CHF 496.38 | CHF 456.18 | +3.4 % |
| 2019 | CHF 509.61 | CHF 470.78 | +2.7 % |
| 2020 | CHF 512.48 | CHF 476.43 | +0.6 % |
| 2021 | CHF 514.40 | CHF 480.47 | +0.4 % |
| 2022 | CHF 513.03 | CHF 480.30 | −0.3 % |
| 2023 | CHF 533.07 | CHF 501.47 | +3.9 % |
| 2024 | CHF 570.12 | CHF 537.46 | +7.0 % |
| 2025 | CHF 601.20 | CHF 565.47 | +5.5 % |
| 2026 | CHF 620.40 | CHF 583.29 | +3.2 % |
| 2027 | CHF 644.50 | CHF 606.62 | +3.9 % |
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 Bern
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 Bern in 2027?
In the canton of Bern, 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 644.50 per month, +3.9% compared with 2026. This is the average of all 26 insurers (unweighted). The cheapest premium is CHF 468.10 (“Telemedicine and others” model, Agrisano). The canton has 3 premium regions. In the standard model, young adults (aged 19 to 25, CHF 300 deductible, with accident cover) CHF 481.50 and children (up to 18, CHF 0 deductible, with accident cover) CHF 152.16 per month on average.
Which health insurer is cheapest in the canton of Bern?
Across all models, Agrisano is cheapest at CHF 468.10 per month (“Telemedicine and others” model, Region 3; 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 541.20. Which insurer is cheapest for you depends on your municipality, age, deductible and model; the premium calculator shows you.
How many premium regions does the canton of Bern have?
The canton of Bern is divided into 3 premium regions. In the standard model adults pay on average: Region 1 CHF 703.34 (15 municipalities), Region 2 CHF 635.46 (212 municipalities), Region 3 CHF 594.69 (107 municipalities). The difference between the most expensive and the cheapest region is CHF 108.65 per month (18.3%). The regions are set by the FDHA in the Ordinance on Premium Regions (SR 832.106).
How have premiums in the canton of Bern developed since 2011?
From 2011 to 2027 the standard model average (adults aged 26 and over, CHF 300 deductible, with accident cover) rose by 61.1% or CHF 244.38 per month, from CHF 400.12 to CHF 644.50. Across Switzerland the change was +77.1%. Our own calculation from FOPH premium data, unweighted.
Are there premium subsidies in the canton of Bern?
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 Bern itself. The cantonal office responsible for premium subsidies can give you information.
How do I switch health insurer in the canton of Bern?
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