Health insurance premiums 2026
The 2026 premiums are approved by the FOPH and in force.
You can now compare what your municipality costs in 2026 at every insurer — with the same official figures the federal government uses.
Compare nowThere are 75 days left until 30 November. By that date a cancellation must have reached your current insurer — receipt counts, not the postmark.
How it unfolds, step by step
- end of September 2025 The Federal Office of Public Health approves the 2026 premiums and publishes them. Before that no insurer may present a 2026 premium as valid.
- by end of October 2025 Your insurer must notify you of the new premium — under Art. 7 para. 2 KVG at least two months in advance, and must explicitly point out your right to change insurer.
- by 30 November 2025 If you want to switch, the cancellation must have ARRIVED at your current insurer by this day. A date written on the letter is not enough.
- 1 January 2026 The new premium, and any new insurer, take effect. Without a cancellation the existing contract simply continues at the new premium.
Basis: Health Insurance Act (KVG) Art. 7 and the publication practice of the Federal Office of Public Health.
What actually happened in recent years
Not a forecast, but calculated from the official premiums 2021–2026: the lowest, the average and the highest premium in Switzerland — each for the same reference person, so the years stay comparable.
| Year | lowest | average | change | highest |
|---|---|---|---|---|
| 2021 | CHF 333.00 | CHF 480.47 | — | CHF 970.20 |
| 2022 | CHF 328.10 | CHF 480.30 | 0.0% | CHF 1'047.80 |
| 2023 | CHF 339.00 | CHF 501.47 | +4.4% | CHF 1'047.80 |
| 2024 | CHF 365.00 | CHF 537.46 | +7.2% | CHF 943.00 |
| 2025 | CHF 394.10 | CHF 565.47 | +5.2% | CHF 961.90 |
| 2026 | CHF 385.80 | CHF 583.29 | +3.2% | CHF 913.80 |
Reference person: an adult, deductible CHF 300, standard model with free choice of doctor, with accident cover. The average is unweighted — it counts every offer equally and is therefore not identical to the FOPH “mean premium”, which is weighted by number of insured. The enclaves of Büsingen and Campione are excluded.
Your canton: the cheapest premium in 2021 and 2026
Switching to the cheapest insurer is worth little if that same insurer raises its price sharply every year. This table shows how much the lowest available premium in each canton has risen — the differences between cantons are considerable.
| Canton | 2021 | 2026 | change |
|---|---|---|---|
| Tessin TI | CHF 455.60 | CHF 626.70 | +37.6% |
| Solothurn SO | CHF 425.30 | CHF 565.40 | +32.9% |
| Glarus GL | CHF 371.30 | CHF 493.00 | +32.8% |
| Basel-Landschaft BL | CHF 443.90 | CHF 575.30 | +29.6% |
| Waadt VD | CHF 472.60 | CHF 601.70 | +27.3% |
| Obwalden OW | CHF 350.00 | CHF 445.10 | +27.2% |
| Genf GE | CHF 541.80 | CHF 686.70 | +26.7% |
| Jura JU | CHF 496.00 | CHF 628.20 | +26.7% |
| Neuenburg NE | CHF 519.10 | CHF 655.90 | +26.4% |
| Nidwalden NW | CHF 354.75 | CHF 448.10 | +26.3% |
| Uri UR | CHF 347.00 | CHF 437.90 | +26.2% |
| Graubünden GR | CHF 338.50 | CHF 426.00 | +25.8% |
| Bern BE | CHF 414.00 | CHF 520.40 | +25.7% |
| Freiburg FR | CHF 418.30 | CHF 523.30 | +25.1% |
| Zürich ZH | CHF 391.10 | CHF 488.50 | +24.9% |
| Schaffhausen SH | CHF 404.00 | CHF 504.40 | +24.9% |
| Appenzell Ausserrhoden AR | CHF 385.40 | CHF 479.40 | +24.4% |
| Aargau AG | CHF 418.70 | CHF 519.25 | +24.0% |
| Thurgau TG | CHF 403.60 | CHF 499.60 | +23.8% |
| Appenzell Innerrhoden AI | CHF 333.00 | CHF 411.00 | +23.4% |
| St. Gallen SG | CHF 384.70 | CHF 467.00 | +21.4% |
| Wallis VS | CHF 389.30 | CHF 470.90 | +21.0% |
| Luzern LU | CHF 375.10 | CHF 452.80 | +20.7% |
| Basel-Stadt BS | CHF 558.90 | CHF 673.70 | +20.5% |
| Schwyz SZ | CHF 374.30 | CHF 439.30 | +17.4% |
| Zug ZG | CHF 372.70 | CHF 385.80 | +3.5% |
Same reference person as above. Clicking a canton leads to its premium regions, the individual insurers and their change versus the previous year.
Content last reviewed on 19.08.2026. Premium data as of 08.09.2026.
Frequently asked questions
Are the 2026 premiums definitive?
Yes. They are approved by the Federal Office of Public Health and may not be changed during the year. We show exactly these official figures — the same ones the FOPH uses on priminfo.admin.ch.
By how much have premiums risen?
The table on this page shows it year by year for the same reference person, calculated from the official data. From 2021 to 2026 that comes to 21,4 per cent. How steep it was in your canton is in the table below it — the spread between cantons is wide.
Until when can I still switch for 2026?
The cancellation must have reached your current insurer by 30 November of the previous year — receipt counts, not the postmark. Find the new insurer first and cancel only afterwards: the old cancellation is only valid once the new insurer confirms cover from 1 January.
Why did my premium rise more than the average?
Because there is no single increase. Every insurer submits its premiums for approval separately per canton, premium region, age group, deductible and model. On the canton pages you can see, insurer by insurer, how much each one raised its premium in your region compared with the previous year.
Is switching still worth it at all?
That can only be answered with your figures, not in general. The comparison is free, requires no contact details, and shows you the difference between your current premium and the cheapest one in your municipality — for legally identical benefits.