Premium atlas · Canton of Lucerne · Premium region 1

Health insurance premiums Lucerne region 1 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 1 2027 in figures

Average standard model, adultsCHF 590.95per month, 25 insurers

Change from previous year+4.2 %2026: CHF 567.00

Cheapest premiumCHF 474.60GP/HMO, Atupri

Ø standard model, young adultsCHF 445.60aged 19 to 25, per month

Ø standard model, childrenCHF 141.55up 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

5 municipalities in region 1

Region 1 (this page): Ø CHF 590.95
Region 2: Ø CHF 554.23
Region 3: Ø CHF 538.63

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 1 of the canton of Lucerne comprises:

Ebikon
Emmen
Horw
Kriens
Luzern

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 1.

Standard model average in the canton of Lucerne, adults aged 26 and over: region 1 compared
Region	Ø standard model	Difference in CHF	Difference in %
Region 1 (this page)	CHF 590.95	–	–
Region 2	CHF 554.23	−36.72	−6.2 %
Region 3	CHF 538.63	−52.32	−8.9 %

From the FOPH premium data

Cheapest offers by model and age group

Lowest monthly premium in region 1 (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. 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 1 (Lucerne) by age group and model type 2027
Age group	Model	Cheapest premium	Insurer	Ø of all insurers
Children	Standard	CHF 124.00	Luzerner HinterlandTariff BASE	CHF 141.55
	GP/HMO	CHF 110.60	ÖKKTariff ÖKK CASAMED HMO	CHF 126.97
	Flex	CHF 113.10	ÖKKTariff ÖKK CASAMED SELECT	CHF 133.03
	Telemedicine and others	CHF 113.90	AssuraTariff MediTel	CHF 128.07
Young adults	Standard	CHF 368.10	SanitasTariff BASE	CHF 445.60
	GP/HMO	CHF 353.40	SanitasTariff GP model 1	CHF 397.87
	Flex	CHF 357.05	SanitasTariff MultiAccess	CHF 404.34
	Telemedicine and others	CHF 353.40	SanitasTariff TelMed Basic	CHF 400.28
Adults	Standard	CHF 527.65	Luzerner HinterlandTariff BASE	CHF 590.95
	GP/HMO	CHF 474.60	AtupriTariff HMO	CHF 522.61
	Flex	CHF 497.00	AtupriTariff FlexCare	CHF 527.37
	Telemedicine and others	CHF 478.00	SanitasTariff TelMed Basic	CHF 525.53

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 1 (Lucerne) in 2027?

In premium region 1 of the canton of Lucerne (5 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 590.95 per month, unweighted across 25 insurers. That is CHF 29.68 more than the cantonal average. The cheapest premium is CHF 474.60 (“GP/HMO” model, Atupri). In the standard model, young adults (aged 19 to 25, CHF 300 deductible, with accident cover) CHF 445.60 and children (up to 18, CHF 0 deductible, with accident cover) CHF 141.55 per month on average.

Which municipalities belong to premium region 1 of the canton of Lucerne?

Premium region 1 comprises 5 municipalities: Ebikon, Emmen, Horw, Kriens, Luzern. The FOPH assignment for 2027 applies.

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

Compared with region 1 (CHF 590.95), adults aged 26 and over pay on average in the standard model (CHF 300 deductible, with accident cover): Region 2 CHF 554.23 (CHF 36.72 or 6.2% less), Region 3 CHF 538.63 (CHF 52.32 or 8.9% less). 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 1 (Lucerne)?

Across all models, Atupri is cheapest at CHF 474.60 per month (“GP/HMO” model; 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 527.65. 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 1 (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
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