Health insurance premiums Lucerne 2027
In the canton of Lucerne, 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 561.27 per month, +4.5% compared with 2026. This is the average of all 25 insurers (unweighted). The cheapest premium is CHF 439.70 (“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 Lucerne 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 590.95
- Region 2: Ø CHF 554.23
- Region 3: Ø CHF 538.63
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 590.95 | +CHF 52.32 | CHF 474.60 | 5 |
| Region 2 | CHF 554.23 | +CHF 15.60 | CHF 451.70 | 19 |
| Region 3 | CHF 538.63 | cheapest | CHF 439.70 | 55 |
Cheapest offers by model and age group
Lowest monthly premium in the canton of Lucerne 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 110.15 | Luzerner HinterlandTariff BASE | Region 3 | CHF 134.62 |
| GP/HMO | CHF 101.70 | ÖKKTariff ÖKK CASAMED HMO | Region 3 | CHF 120.64 | |
| Flex | CHF 104.00 | ÖKKTariff ÖKK CASAMED SELECT | Region 3 | CHF 127.69 | |
| Telemedicine and others | CHF 96.70 | AgrisanoTariff AGRIsmart | Region 3 | CHF 121.63 | |
| Young adults | Standard | CHF 346.00 | SanitasTariff BASE | Region 3 | CHF 422.75 |
| GP/HMO | CHF 328.60 | AtupriTariff HMO | Region 3 | CHF 377.95 | |
| Flex | CHF 335.60 | SanitasTariff MultiAccess | Region 3 | CHF 389.53 | |
| Telemedicine and others | CHF 321.00 | AgrisanoTariff AGRIsmart | Region 3 | CHF 379.50 | |
| Adults | Standard | CHF 468.65 | Luzerner HinterlandTariff BASE | Region 3 | CHF 561.27 |
| GP/HMO | CHF 445.20 | Luzerner HinterlandTariff Hausmed | Region 3 | CHF 496.61 | |
| Flex | CHF 465.90 | AssuraTariff QualiMed | Region 3 | CHF 507.45 | |
| Telemedicine and others | CHF 439.70 | AgrisanoTariff AGRIsmart | Region 3 | CHF 497.98 |
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 Lucerne rose by 79.9%, from CHF 312.06 to CHF 561.27 per month (+249.21 CHF). Across Switzerland the change was +77.1%. Reference: adults aged 26 and over, CHF 300 deductible, with accident cover.
Show as table
| Year | Lucerne | Switzerland | Change Lucerne |
|---|---|---|---|
| 2011 | CHF 312.06 | CHF 342.47 | – |
| 2012 | CHF 329.58 | CHF 361.85 | +5.6 % |
| 2013 | CHF 337.83 | CHF 370.76 | +2.5 % |
| 2014 | CHF 348.84 | CHF 381.38 | +3.3 % |
| 2015 | CHF 366.10 | CHF 398.72 | +4.9 % |
| 2016 | CHF 384.62 | CHF 415.71 | +5.1 % |
| 2017 | CHF 404.32 | CHF 438.67 | +5.1 % |
| 2018 | CHF 420.50 | CHF 456.18 | +4.0 % |
| 2019 | CHF 430.67 | CHF 470.78 | +2.4 % |
| 2020 | CHF 431.99 | CHF 476.43 | +0.3 % |
| 2021 | CHF 440.67 | CHF 480.47 | +2.0 % |
| 2022 | CHF 442.79 | CHF 480.30 | +0.5 % |
| 2023 | CHF 466.11 | CHF 501.47 | +5.3 % |
| 2024 | CHF 493.73 | CHF 537.46 | +5.9 % |
| 2025 | CHF 520.58 | CHF 565.47 | +5.4 % |
| 2026 | CHF 536.89 | CHF 583.29 | +3.1 % |
| 2027 | CHF 561.27 | CHF 606.62 | +4.5 % |
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 Lucerne
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 Lucerne in 2027?
In the canton of Lucerne, 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 561.27 per month, +4.5% compared with 2026. This is the average of all 25 insurers (unweighted). The cheapest premium is CHF 439.70 (“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 422.75 and children (up to 18, CHF 0 deductible, with accident cover) CHF 134.62 per month on average.
Which health insurer is cheapest in the canton of Lucerne?
Across all models, Agrisano is cheapest at CHF 439.70 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, Luzerner Hinterland is cheapest at CHF 468.65. 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 Lucerne have?
The canton of Lucerne is divided into 3 premium regions. In the standard model adults pay on average: Region 1 CHF 590.95 (5 municipalities), Region 2 CHF 554.23 (19 municipalities), Region 3 CHF 538.63 (55 municipalities). The difference between the most expensive and the cheapest region is CHF 52.32 per month (9.7%). The regions are set by the FDHA in the Ordinance on Premium Regions (SR 832.106).
How have premiums in the canton of Lucerne developed since 2011?
From 2011 to 2027 the standard model average (adults aged 26 and over, CHF 300 deductible, with accident cover) rose by 79.9% or CHF 249.21 per month, from CHF 312.06 to CHF 561.27. Across Switzerland the change was +77.1%. Our own calculation from FOPH premium data, unweighted.
Are there premium subsidies in the canton of Lucerne?
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 Lucerne itself. The cantonal office responsible for premium subsidies can give you information.
How do I switch health insurer in the canton of Lucerne?
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