Health insurance premiums Lucerne region 3 2027
In premium region 3 of the canton of Lucerne (55 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 538.63 per month, unweighted across 25 insurers. That is CHF 22.64 less than the cantonal average. The cheapest premium is CHF 439.70 (“Telemedicine and others” model, Agrisano).
Data as at: FOPH, premiums 2027, retrieved on · Sources · Methodology: How we calculate
Premiums in region 3 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.
55 municipalities in region 3
- Region 1: Ø CHF 590.95
- Region 2: Ø CHF 554.23
- Region 3 (this page): Ø CHF 538.63
In all municipalities of a premium region an insurer charges the same premium. Region 3 of the canton of Lucerne comprises:
- Aesch (LU)
- Alberswil
- Altbüron
- Altishofen
- Ballwil
- Beromünster
- Büron
- Buttisholz
- Dagmersellen
- Doppleschwand
- Egolzwil
- Entlebuch
- Ermensee
- Eschenbach (LU)
- Escholzmatt-Marbach
- Ettiswil
- Fischbach
- Flühli
- Geuensee
- Gisikon
- Greppen
- Grossdietwil
- Grosswangen
- Hasle (LU)
- Hergiswil bei Willisau
- Hildisrieden
- Hitzkirch
- Hochdorf
- Hohenrain
- Inwil
- Knutwil
- Luthern
- Mauensee
- Menznau
- Nebikon
- Pfaffnau
- Rain
- Reiden
- Rickenbach (LU)
- Roggliswil
- Römerswil
- Romoos
- Schlierbach
- Schongau
- Schötz
- Schüpfheim
- Schwarzenberg
- Triengen
- Ufhusen
- Vitznau
- Wauwil
- Weggis
- Wikon
- Willisau
- Zell (LU)
Source: FOPH, premium regions 2027 (priminfo.admin.ch), as at 15.10.2026.
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.
Cheapest offers by model and age group
Lowest monthly premium in region 3 (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”)).
| Age group | Model | Cheapest premium | Insurer | Ø of all insurers |
|---|---|---|---|---|
| Children | Standard | CHF 110.15 | Luzerner HinterlandTariff BASE | CHF 129.29 |
| GP/HMO | CHF 101.70 | ÖKKTariff ÖKK CASAMED HMO | CHF 115.41 | |
| Flex | CHF 104.00 | ÖKKTariff ÖKK CASAMED SELECT | CHF 123.16 | |
| Telemedicine and others | CHF 96.70 | AgrisanoTariff AGRIsmart | CHF 116.21 | |
| Young adults | Standard | CHF 346.00 | SanitasTariff BASE | CHF 405.43 |
| GP/HMO | CHF 328.60 | AtupriTariff HMO | CHF 362.71 | |
| Flex | CHF 335.60 | SanitasTariff MultiAccess | CHF 376.46 | |
| Telemedicine and others | CHF 321.00 | AgrisanoTariff AGRIsmart | CHF 362.45 | |
| Adults | Standard | CHF 468.65 | Luzerner HinterlandTariff BASE | CHF 538.63 |
| GP/HMO | CHF 445.20 | Luzerner HinterlandTariff Hausmed | CHF 477.09 | |
| Flex | CHF 465.90 | AssuraTariff QualiMed | CHF 490.82 | |
| Telemedicine and others | CHF 439.70 | AgrisanoTariff AGRIsmart | CHF 476.19 |
Source: FOPH, health insurance premiums 2027, opendata.swiss. Sorted by premium, never by remuneration.
More in the premium atlas
Frequently asked questions
How high are health insurance premiums in premium region 3 (Lucerne) in 2027?
In premium region 3 of the canton of Lucerne (55 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 538.63 per month, unweighted across 25 insurers. That is CHF 22.64 less than the cantonal average. The cheapest premium is CHF 439.70 (“Telemedicine and others” model, Agrisano). In the standard model, young adults (aged 19 to 25, CHF 300 deductible, with accident cover) CHF 405.43 and children (up to 18, CHF 0 deductible, with accident cover) CHF 129.29 per month on average.
Which municipalities belong to premium region 3 of the canton of Lucerne?
Premium region 3 comprises 55 municipalities, including Aesch (LU), Alberswil, Altbüron, Altishofen, Ballwil, Beromünster, Büron, Buttisholz, Dagmersellen, Doppleschwand, Egolzwil, Entlebuch and 43 more (full list on this page). The FOPH assignment for 2027 applies.
How do premiums differ from the other regions in the canton of Lucerne?
Compared with region 3 (CHF 538.63), adults aged 26 and over pay on average in the standard model (CHF 300 deductible, with accident cover): Region 1 CHF 590.95 (CHF 52.32 or 9.7% more), Region 2 CHF 554.23 (CHF 15.60 or 2.9% 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 (Lucerne)?
Across all models, Agrisano is cheapest at CHF 439.70 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, 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 do I switch health insurer in premium region 3 (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