Premium atlas · Canton of St. Gallen · Premium region 1

Health insurance premiums St. Gallen 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 605.95per month, 25 insurers

Change from previous year+4.0 %2026: CHF 582.50

Cheapest premiumCHF 494.60GP/HMO, ÖKK

Ø standard model, young adultsCHF 452.95aged 19 to 25, per month

Ø standard model, childrenCHF 145.05up 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

8 municipalities in region 1

Region 1 (this page): Ø CHF 605.95
Region 2: Ø CHF 564.54
Region 3: Ø CHF 542.01

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 St. Gallen comprises:

Gaiserwald
Gossau (SG)
Niederbüren
Niederhelfenschwil
Oberbüren
St. Gallen
Wil (SG)
Zuzwil (SG)

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 St. Gallen, adults aged 26 and over: region 1 compared
Region	Ø standard model	Difference in CHF	Difference in %
Region 1 (this page)	CHF 605.95	–	–
Region 2	CHF 564.54	−41.41	−6.8 %
Region 3	CHF 542.01	−63.94	−10.6 %

From the FOPH premium data

Cheapest offers by model and age group

Lowest monthly premium in region 1 (St. Gallen) 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 (St. Gallen) by age group and model type 2027
Age group	Model	Cheapest premium	Insurer	Ø of all insurers
Children	Standard	CHF 123.30	AgrisanoTariff BASE	CHF 145.05
	GP/HMO	CHF 108.90	ÖKKTariff ÖKK CASAMED HMO	CHF 129.82
	Flex	CHF 109.60	AssuraTariff FeminaVita	CHF 136.95
	Telemedicine and others	CHF 112.80	AgrisanoTariff AGRIcontact	CHF 131.43
Young adults	Standard	CHF 378.15	SanitasTariff BASE	CHF 452.95
	GP/HMO	CHF 358.60	ÖKKTariff ÖKK CASAMED HMO	CHF 403.87
	Flex	CHF 366.80	ÖKKTariff ÖKK CASAMED SELECT	CHF 408.19
	Telemedicine and others	CHF 363.00	SanitasTariff TelMed Basic	CHF 405.23
Adults	Standard	CHF 560.50	AgrisanoTariff BASE	CHF 605.95
	GP/HMO	CHF 494.60	ÖKKTariff ÖKK CASAMED HMO	CHF 536.61
	Flex	CHF 503.00	SWICATariff Favorit Multichoice	CHF 536.35
	Telemedicine and others	CHF 501.20	KPTTariff KPTwin.smart - Hausarzt mit App	CHF 539.62

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 (St. Gallen) in 2027?

In premium region 1 of the canton of St. Gallen (8 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 605.95 per month, unweighted across 25 insurers. That is CHF 35.12 more than the cantonal average. The cheapest premium is CHF 494.60 (“GP/HMO” model, ÖKK). In the standard model, young adults (aged 19 to 25, CHF 300 deductible, with accident cover) CHF 452.95 and children (up to 18, CHF 0 deductible, with accident cover) CHF 145.05 per month on average.

Which municipalities belong to premium region 1 of the canton of St. Gallen?

Premium region 1 comprises 8 municipalities: Gaiserwald, Gossau (SG), Niederbüren, Niederhelfenschwil, Oberbüren, St. Gallen, Wil (SG), Zuzwil (SG). The FOPH assignment for 2027 applies.

How do premiums differ from the other regions in the canton of St. Gallen?

Compared with region 1 (CHF 605.95), adults aged 26 and over pay on average in the standard model (CHF 300 deductible, with accident cover): Region 2 CHF 564.54 (CHF 41.41 or 6.8% less), Region 3 CHF 542.01 (CHF 63.94 or 10.6% 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 (St. Gallen)?

Across all models, ÖKK is cheapest at CHF 494.60 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, Agrisano is cheapest at CHF 560.50. 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 (St. Gallen)?

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