Premium atlas · Canton of Graubünden · Premium region 3

Health insurance premiums Graubünden 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 529.00per month, 24 insurers

Change from previous year+3.7 %2026: CHF 510.15

Cheapest premiumCHF 421.80Telemedicine and others, Agrisano

Ø standard model, young adultsCHF 398.28aged 19 to 25, per month

Ø standard model, childrenCHF 129.11up 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

40 municipalities in region 3

Region 1: Ø CHF 592.64
Region 2: Ø CHF 554.34
Region 3 (this page): Ø CHF 529.00

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 Graubünden comprises:

Albula/Alvra
Andeer
Avers
Bergün Filisur
Breil/Brigels
Cazis
Disentis/Mustér
Domleschg
Falera
Ferrera
Flerden
Fürstenau
Ilanz/Glion
Laax
Lantsch/Lenz
Lumnezia
Masein
Medel (Lucmagn)
Muntogna da Schons
Obersaxen Mundaun
Rheinwald
Rongellen
Rothenbrunnen
Safiental
Sagogn
Scharans
Schluein
Schmitten (GR)
Sils im Domleschg
Sufers
Sumvitg
Surses
Thusis
Trun
Tschappina
Tujetsch
Urmein
Vals
Vaz/Obervaz
Zillis-Reischen

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 Graubünden, adults aged 26 and over: region 3 compared
Region	Ø standard model	Difference in CHF	Difference in %
Region 3 (this page)	CHF 529.00	–	–
Region 1	CHF 592.64	+63.64	+12.0 %
Region 2	CHF 554.34	+25.34	+4.8 %

From the FOPH premium data

Cheapest offers by model and age group

Lowest monthly premium in region 3 (Graubünden) 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 (Graubünden) by age group and model type 2027
Age group	Model	Cheapest premium	Insurer	Ø of all insurers
Children	Standard	CHF 98.00	vita surselvaTariff BASE	CHF 129.11
	GP/HMO	CHF 93.10	vita surselvaTariff Sparmed	CHF 116.63
	Flex	CHF 97.70	AssuraTariff QualiMed	CHF 124.60
	Telemedicine and others	CHF 92.80	AgrisanoTariff AGRIsmart	CHF 118.58
Young adults	Standard	CHF 342.70	SanitasTariff BASE	CHF 398.28
	GP/HMO	CHF 324.90	CONCORDIATariff HMO	CHF 360.43
	Flex	CHF 329.40	ÖKKTariff ÖKK CASAMED SELECT	CHF 369.59
	Telemedicine and others	CHF 307.90	AgrisanoTariff AGRIsmart	CHF 362.43
Adults	Standard	CHF 450.80	curaultaTariff BASE	CHF 529.00
	GP/HMO	CHF 423.80	curaultaTariff CASAMED	CHF 469.60
	Flex	CHF 439.20	ÖKKTariff ÖKK CASAMED SELECT	CHF 478.78
	Telemedicine and others	CHF 421.80	AgrisanoTariff AGRIsmart	CHF 474.28

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 (Graubünden) in 2027?

In premium region 3 of the canton of Graubünden (40 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 529.00 per month, unweighted across 24 insurers. That is CHF 29.66 less than the cantonal average. The cheapest premium is CHF 421.80 (“Telemedicine and others” model, Agrisano). In the standard model, young adults (aged 19 to 25, CHF 300 deductible, with accident cover) CHF 398.28 and children (up to 18, CHF 0 deductible, with accident cover) CHF 129.11 per month on average.

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

Premium region 3 comprises 40 municipalities, including Albula/Alvra, Andeer, Avers, Bergün Filisur, Breil/Brigels, Cazis, Disentis/Mustér, Domleschg, Falera, Ferrera, Flerden, Fürstenau and 28 more (full list on this page). The FOPH assignment for 2027 applies.

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

Compared with region 3 (CHF 529.00), adults aged 26 and over pay on average in the standard model (CHF 300 deductible, with accident cover): Region 1 CHF 592.64 (CHF 63.64 or 12.0% more), Region 2 CHF 554.34 (CHF 25.34 or 4.8% 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 (Graubünden)?

Across all models, Agrisano is cheapest at CHF 421.80 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, curaulta is cheapest at CHF 450.80. 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 (Graubünden)?

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