Health insurance premiums St. Gallen region 2 2027
In premium region 2 of the canton of St. Gallen (44 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 564.54 per month, unweighted across 25 insurers. That is CHF 6.29 less than the cantonal average. The cheapest premium is CHF 441.10 (“Telemedicine and others” model, Agrisano).
Data as at: FOPH, premiums 2027, retrieved on · Sources · Methodology: How we calculate
Premiums in region 2 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.
44 municipalities in region 2
- Region 1: Ø CHF 605.95
- Region 2 (this page): Ø CHF 564.54
- Region 3: Ø CHF 542.01
In all municipalities of a premium region an insurer charges the same premium. Region 2 of the canton of St. Gallen comprises:
- Amden
- Andwil (SG)
- Au (SG)
- Bad Ragaz
- Benken (SG)
- Berg (SG)
- Buchs (SG)
- Eggersriet
- Eschenbach (SG)
- Flawil
- Flums
- Goldach
- Gommiswald
- Häggenschwil
- Jonschwil
- Kaltbrunn
- Kirchberg (SG)
- Mels
- Mörschwil
- Muolen
- Oberuzwil
- Pfäfers
- Quarten
- Rapperswil-Jona
- Rheineck
- Rorschach
- Rorschacherberg
- Sargans
- Schänis
- Schmerikon
- Sevelen
- St. Margrethen
- Steinach
- Thal
- Tübach
- Untereggen
- Uznach
- Uzwil
- Vilters-Wangs
- Waldkirch
- Walenstadt
- Wartau
- Weesen
- Wittenbach
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 2.
Cheapest offers by model and age group
Lowest monthly premium in region 2 (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”)).
| Age group | Model | Cheapest premium | Insurer | Ø of all insurers |
|---|---|---|---|---|
| Children | Standard | CHF 112.20 | AgrisanoTariff BASE | CHF 135.14 |
| GP/HMO | CHF 102.10 | ÖKKTariff ÖKK CASAMED HMO | CHF 121.39 | |
| Flex | CHF 102.10 | AssuraTariff FeminaVita | CHF 129.18 | |
| Telemedicine and others | CHF 97.10 | AgrisanoTariff AGRIsmart | CHF 121.77 | |
| Young adults | Standard | CHF 368.95 | SanitasTariff BASE | CHF 421.74 |
| GP/HMO | CHF 336.30 | ÖKKTariff ÖKK CASAMED HMO | CHF 375.99 | |
| Flex | CHF 343.90 | ÖKKTariff ÖKK CASAMED SELECT | CHF 386.35 | |
| Telemedicine and others | CHF 322.00 | AgrisanoTariff AGRIsmart | CHF 377.33 | |
| Adults | Standard | CHF 509.90 | AgrisanoTariff BASE | CHF 564.54 |
| GP/HMO | CHF 456.20 | AtupriTariff HMO | CHF 500.63 | |
| Flex | CHF 474.30 | ÖKKTariff ÖKK CASAMED SELECT | CHF 507.96 | |
| Telemedicine and others | CHF 441.10 | AgrisanoTariff AGRIsmart | CHF 501.62 |
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 2 (St. Gallen) in 2027?
In premium region 2 of the canton of St. Gallen (44 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 564.54 per month, unweighted across 25 insurers. That is CHF 6.29 less than the cantonal average. The cheapest premium is CHF 441.10 (“Telemedicine and others” model, Agrisano). In the standard model, young adults (aged 19 to 25, CHF 300 deductible, with accident cover) CHF 421.74 and children (up to 18, CHF 0 deductible, with accident cover) CHF 135.14 per month on average.
Which municipalities belong to premium region 2 of the canton of St. Gallen?
Premium region 2 comprises 44 municipalities, including Amden, Andwil (SG), Au (SG), Bad Ragaz, Benken (SG), Berg (SG), Buchs (SG), Eggersriet, Eschenbach (SG), Flawil, Flums, Goldach and 32 more (full list on this page). The FOPH assignment for 2027 applies.
How do premiums differ from the other regions in the canton of St. Gallen?
Compared with region 2 (CHF 564.54), adults aged 26 and over pay on average in the standard model (CHF 300 deductible, with accident cover): Region 1 CHF 605.95 (CHF 41.41 or 7.3% more), Region 3 CHF 542.01 (CHF 22.53 or 4.0% 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 2 (St. Gallen)?
Across all models, Agrisano is cheapest at CHF 441.10 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, Agrisano is cheapest at CHF 509.90. 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 2 (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
- 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