Premium atlas · Canton of Bern · Premium region 3

Health insurance premiums Bern region 3 2027

Data as at: FOPH, premiums 2027, retrieved on 15.10.2026 · Sources · Methodology: How we calculate

Our own calculation · average of all insurers, unweighted

Premiums in region 3 2027 in figures

Average standard model, adultsCHF 594.69per month, 26 insurers

Change from previous year+3.9 %2026: CHF 572.32

Cheapest premiumCHF 468.10Telemedicine and others, Agrisano

Ø standard model, young adultsCHF 443.76aged 19 to 25, per month

Ø standard model, childrenCHF 140.28up to 18, per month

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.

FOPH assignment 2027

107 municipalities in region 3

Region 1: Ø CHF 703.34
Region 2: Ø CHF 635.46
Region 3 (this page): Ø CHF 594.69

Average standard model, adults aged 26 and over (unweighted). Boundaries: © swisstopo, swisstopo, swissBOUNDARIES3D (edition 2026-01), as at 01.01.2026.

In all municipalities of a premium region an insurer charges the same premium. Region 3 of the canton of Bern comprises:

Aarwangen
Adelboden
Aeschi bei Spiez
Affoltern im Emmental
Attiswil
Auswil
Bannwil
Beatenberg
Berken
Bettenhausen
Bleienbach
Boltigen
Bönigen
Brienz (BE)
Brienzwiler
Busswil bei Melchnau
Därligen
Därstetten
Diemtigen
Dürrenroth
Eggiwil
Eriswil
Erlenbach im Simmental
Farnern
Frutigen
Gondiswil
Graben
Grindelwald
Gsteig
Gsteigwiler
Gündlischwand
Guttannen
Habkern
Hasliberg
Heimenhausen
Herzogenbuchsee
Hofstetten bei Brienz
Huttwil
Inkwil
Innertkirchen
Interlaken
Iseltwald
Kandergrund
Kandersteg
Krattigen
Langenthal
Langnau im Emmental
Lauenen
Lauperswil
Lauterbrunnen
Leissigen
Lenk
Lotzwil
Lütschental
Lützelflüh
Madiswil
Matten bei Interlaken
Meiringen
Melchnau
Niederbipp
Niederönz
Niederried bei Interlaken
Oberbipp
Oberried am Brienzersee
Oberwil im Simmental
Ochlenberg
Oeschenbach
Reichenbach im Kandertal
Reisiswil
Ringgenberg (BE)
Roggwil (BE)
Rohrbach
Rohrbachgraben
Röthenbach im Emmental
Rüderswil
Rüegsau
Rumisberg
Rütschelen
Saanen
Saxeten
Schangnau
Schattenhalb
Schwanden bei Brienz
Schwarzhäusern
Seeberg
Signau
Spiez
St. Stephan
Stocken-Höfen
Sumiswald
Thörigen
Thunstetten
Trachselwald
Trub
Trubschachen
Unterseen
Ursenbach
Walliswil bei Niederbipp
Walliswil bei Wangen
Walterswil (BE)
Wangen an der Aare
Wiedlisbach
Wilderswil
Wimmis
Wynau
Wyssachen
Zweisimmen

Source: FOPH, premium regions 2027 (priminfo.admin.ch), as at 15.10.2026.

Our own calculation · unweighted

Comparison with the other regions

Average of all insurers in the standard model, adults aged 26 and over, CHF 300 deductible, with accident cover. Positive values: the other region is more expensive than region 3.

Standard model average in the canton of Bern, adults aged 26 and over: region 3 compared
Region	Ø standard model	Difference in CHF	Difference in %
Region 3 (this page)	CHF 594.69	–	–
Region 1	CHF 703.34	+108.65	+18.3 %
Region 2	CHF 635.46	+40.77	+6.9 %

From the FOPH premium data

Cheapest offers by model and age group

Lowest monthly premium in region 3 (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. 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”)).

Lowest monthly premium in region 3 (Bern) by age group and model type 2027
Age group	Model	Cheapest premium	Insurer	Ø of all insurers
Children	Standard	CHF 119.10	AgrisanoTariff BASE	CHF 140.28
	GP/HMO	CHF 108.70	ÖKKTariff ÖKK CASAMED HMO	CHF 126.26
	Flex	CHF 111.10	ÖKKTariff ÖKK CASAMED SELECT	CHF 128.54
	Telemedicine and others	CHF 103.00	AgrisanoTariff AGRIsmart	CHF 126.08
Young adults	Standard	CHF 377.10	SanitasTariff BASE	CHF 443.76
	GP/HMO	CHF 353.70	VisanaTariff VIVA - Gesundheitsplan	CHF 397.95
	Flex	CHF 365.80	SanitasTariff MultiAccess	CHF 400.14
	Telemedicine and others	CHF 341.80	AgrisanoTariff AGRIsmart	CHF 399.40
Adults	Standard	CHF 541.20	AgrisanoTariff BASE	CHF 594.69
	GP/HMO	CHF 493.70	ÖKKTariff ÖKK CASAMED HMO	CHF 527.29
	Flex	CHF 504.90	ÖKKTariff ÖKK CASAMED SELECT	CHF 528.72
	Telemedicine and others	CHF 468.10	AgrisanoTariff AGRIsmart	CHF 529.21

Source: FOPH, health insurance premiums 2027, opendata.swiss. Sorted by premium, never by remuneration.

Next steps

Frequently asked questions

How high are health insurance premiums in premium region 3 (Bern) in 2027?

In premium region 3 of the canton of Bern (107 municipalities), 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 594.69 per month, unweighted across 26 insurers. That is CHF 49.81 less than the cantonal average. The cheapest premium is CHF 468.10 (“Telemedicine and others” model, Agrisano). In the standard model, young adults (aged 19 to 25, CHF 300 deductible, with accident cover) CHF 443.76 and children (up to 18, CHF 0 deductible, with accident cover) CHF 140.28 per month on average.

Which municipalities belong to premium region 3 of the canton of Bern?

Premium region 3 comprises 107 municipalities, including Aarwangen, Adelboden, Aeschi bei Spiez, Affoltern im Emmental, Attiswil, Auswil, Bannwil, Beatenberg, Berken, Bettenhausen, Bleienbach, Boltigen and 95 more (full list on this page). The FOPH assignment for 2027 applies.

How do premiums differ from the other regions in the canton of Bern?

Compared with region 3 (CHF 594.69), adults aged 26 and over pay on average in the standard model (CHF 300 deductible, with accident cover): Region 1 CHF 703.34 (CHF 108.65 or 18.3% more), Region 2 CHF 635.46 (CHF 40.77 or 6.9% more). Insurers may vary their premiums by region; the regions are set by the FDHA (SR 832.106).

Which health insurer is cheapest in premium region 3 (Bern)?

Across all models, Agrisano is cheapest at CHF 468.10 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 541.20. Which insurer is cheapest for you depends on your municipality, age, deductible and model; the premium calculator shows you.

How do I switch health insurer in premium region 3 (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
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