Premium atlas · Canton of St. Gallen · Premium region 3

Health insurance premiums St. Gallen region 3 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 3 2027 in figures

Average standard model, adultsCHF 542.01per month, 25 insurers

Change from previous year+3.6 %2026: CHF 523.22

Cheapest premiumCHF 422.10Telemedicine and others, Agrisano

Ø standard model, young adultsCHF 403.42aged 19 to 25, per month

Ø standard model, childrenCHF 129.62up 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

23 municipalities in region 3

Region 1: Ø CHF 605.95
Region 2: Ø CHF 564.54
Region 3 (this page): 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 3 of the canton of St. Gallen comprises:

Altstätten
Balgach
Berneck
Bütschwil-Ganterschwil
Degersheim
Diepoldsau
Ebnat-Kappel
Eichberg
Gams
Grabs
Lichtensteig
Lütisburg
Marbach (SG)
Mosnang
Neckertal
Nesslau
Oberriet (SG)
Rebstein
Rüthi (SG)
Sennwald
Wattwil
Widnau
Wildhaus-Alt St. Johann

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 3.

Standard model average in the canton of St. Gallen, adults aged 26 and over: region 3 compared
Region	Ø standard model	Difference in CHF	Difference in %
Region 3 (this page)	CHF 542.01	–	–
Region 1	CHF 605.95	+63.94	+11.8 %
Region 2	CHF 564.54	+22.53	+4.2 %

From the FOPH premium data

Cheapest offers by model and age group

Lowest monthly premium in region 3 (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 3 (St. Gallen) by age group and model type 2027
Age group	Model	Cheapest premium	Insurer	Ø of all insurers
Children	Standard	CHF 107.40	AgrisanoTariff BASE	CHF 129.62
	GP/HMO	CHF 98.80	AgrisanoTariff AGRIeco	CHF 116.47
	Flex	CHF 97.00	AssuraTariff FeminaVita	CHF 124.26
	Telemedicine and others	CHF 92.90	AgrisanoTariff AGRIsmart	CHF 117.46
Young adults	Standard	CHF 351.50	SanitasTariff BASE	CHF 403.42
	GP/HMO	CHF 327.70	AgrisanoTariff AGRIeco	CHF 360.89
	Flex	CHF 327.60	AssuraTariff FeminaVita	CHF 371.08
	Telemedicine and others	CHF 308.10	AgrisanoTariff AGRIsmart	CHF 363.67
Adults	Standard	CHF 488.00	AgrisanoTariff BASE	CHF 542.01
	GP/HMO	CHF 446.30	HelsanaTariff Helsana BeneFit PLUS Hausarzt R1	CHF 481.91
	Flex	CHF 456.50	HelsanaTariff Helsana BeneFit PLUS Flexmed	CHF 488.71
	Telemedicine and others	CHF 422.10	AgrisanoTariff AGRIsmart	CHF 484.01

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 3 (St. Gallen) in 2027?

In premium region 3 of the canton of St. Gallen (23 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 542.01 per month, unweighted across 25 insurers. That is CHF 28.82 less than the cantonal average. The cheapest premium is CHF 422.10 (“Telemedicine and others” model, Agrisano). In the standard model, young adults (aged 19 to 25, CHF 300 deductible, with accident cover) CHF 403.42 and children (up to 18, CHF 0 deductible, with accident cover) CHF 129.62 per month on average.

Which municipalities belong to premium region 3 of the canton of St. Gallen?

Premium region 3 comprises 23 municipalities, including Altstätten, Balgach, Berneck, Bütschwil-Ganterschwil, Degersheim, Diepoldsau, Ebnat-Kappel, Eichberg, Gams, Grabs, Lichtensteig, Lütisburg and 11 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 3 (CHF 542.01), adults aged 26 and over pay on average in the standard model (CHF 300 deductible, with accident cover): Region 1 CHF 605.95 (CHF 63.94 or 11.8% more), Region 2 CHF 564.54 (CHF 22.53 or 4.2% 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 (St. Gallen)?

Across all models, Agrisano is cheapest at CHF 422.10 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 488.00. 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 (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