Health insurance premiums 2026 in the canton of Bern
Premium region 1
Biel/Bienne, Evilard, Bern, Köniz … · 59 postcodes
| Insurer | Premium/month | vs 2025 |
|---|---|---|
| Helsana Versicherungen AG | CHF 631.00 | +3.8% |
| Vivao Sympany AG | CHF 631.00 | +2.9% |
| Sanitas Grundversicherungen AG | CHF 634.80 | +3.5% |
| Sumiswalder Krankenkasse | CHF 637.50 | +4.8% |
| Atupri Gesundheitsversicherung AG | CHF 648.10 | +4.0% |
| Genossenschaft Krankenkasse Steffisburg | CHF 664.10 | +6.0% |
| sana24 AG | CHF 664.80 | +1.0% |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 665.00 | +2.3% |
The cheapest premium in this region was CHF 521.00 in 2021 and is CHF 631.00 in 2026 — that is +21.1%.
Calculate premiums for postcode 2502
Municipalities in this premium region (15): Bern, Biel/Bienne, Bolligen, Bremgarten bei Bern, Evilard, Ittigen, Kirchlindach, Köniz, Muri bei Bern, Oberbalm, Ostermundigen, Stettlen, Vechigen, Wohlen bei Bern, Zollikofen.
Premium region 2
Guggisberg, Rüschegg, Münchenwiler, La Ferrière … · 273 postcodes
| Insurer | Premium/month | vs 2025 |
|---|---|---|
| Sumiswalder Krankenkasse | CHF 566.10 | +4.8% |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 572.00 | +2.5% |
| Krankenkasse Luzerner Hinterland | CHF 576.35 | +5.0% |
| Agrisano Krankenkasse AG | CHF 578.00 | +5.0% |
| Assura-Basis AG | CHF 586.00 | +2.7% |
| Genossenschaft KRANKENKASSE SLKK | CHF 587.00 | +4.3% |
| Visana AG | CHF 587.50 | +2.4% |
| sodalis gesundheitsgruppe | CHF 590.00 | +6.7% |
The cheapest premium in this region was CHF 457.10 in 2021 and is CHF 566.10 in 2026 — that is +23.8%.
Calculate premiums for postcode 1738
Municipalities in this premium region (212): Aarberg, Aefligen, Aegerten, Alchenstorf, Allmendingen, Amsoldingen, Arch, Arni (BE), Bargen (BE), Bellmund, Belp, Belprahon, Biglen, Blumenstein, Bowil, Brenzikofen, Brügg, Brüttelen, Buchholterberg, Burgdorf, Burgistein, Bäriswil, Bätterkinden, Büetigen, Bühl, Büren an der Aare, Champoz, Corcelles (BE), Corgémont, Cormoret, Cortébert, Court, Courtelary, Crémines, Deisswil bei Münchenbuchsee, Diessbach bei Büren, Dotzigen, Epsach, Eriz, Erlach, Ersigen, Eschert, Fahrni, Ferenbalm, Finsterhennen, Forst-Längenbühl, Fraubrunnen, Frauenkappelen, Freimettigen, Gals, Gampelen, Gerzensee, Grandval, Grossaffoltern, Grosshöchstetten, Guggisberg, Gurbrü, Gurzelen, Hagneck, Hasle bei Burgdorf, Heiligenschwendi, Heimberg, Heimiswil, Hellsau, Herbligen, Hermrigen, Hilterfingen, Hindelbank, Homberg, Horrenbach-Buchen, Häutligen, Höchstetten, Iffwil, Ins, Ipsach, Jaberg, Jegenstorf, Jens, Kallnach, Kappelen, Kaufdorf, Kehrsatz, Kernenried, Kiesen, Kirchberg (BE), Kirchdorf (BE), Konolfingen, Koppigen, Krauchthal, Kriechenwil, La Ferrière, La Neuveville, Landiswil, Laupen, Lengnau (BE), Leuzigen, Ligerz, Linden, Loveresse, Lyss, Lyssach, Lüscherz, Mattstetten, Meienried, Meikirch, Meinisberg, Merzligen, Mirchel, Mont-Tramelan, Moosseedorf, Mörigen, Mühleberg, Münchenbuchsee, Münchenwiler, Münsingen, Müntschemier, Neuenegg, Nidau, Niederhünigen, Niedermuhlern, Nods, Oberburg, Oberdiessbach, Oberhofen am Thunersee, Oberhünigen, Oberlangenegg, Oberthal, Oberwil bei Büren, Oppligen, Orpund, Orvin, Perrefitte, Petit-Val, Pieterlen, Plateau de Diesse, Pohlern, Port, Péry-La Heutte, Radelfingen, Rapperswil (BE), Rebévelier, Reconvilier, Renan (BE), Reutigen, Riggisberg, Roches (BE), Romont (BE), Rubigen, Rumendingen, Rüdtligen-Alchenflüh, Rüeggisberg, Rüschegg, Rüti bei Büren, Rüti bei Lyssach, Safnern, Saicourt, Saint-Imier, Sauge, Saules (BE), Schelten, Scheuren, Schwadernau, Schwarzenburg, Schüpfen, Seedorf (BE), Seehof, Seftigen, Sigriswil, Siselen, Sonceboz-Sombeval, Sonvilier, Sorvilier, Steffisburg, Studen (BE), Sutz-Lattrigen, Tavannes, Teuffenthal (BE), Thierachern, Thun, Thurnen, Toffen, Tramelan, Treiten, Tschugg, Twann-Tüscherz, Täuffelen, Uebeschi, Uetendorf, Unterlangenegg, Urtenen-Schönbühl, Uttigen, Utzenstorf, Valbirse, Villeret, Vinelz, Wachseldorn, Wald (BE), Walkringen, Walperswil, Wattenwil, Wengi, Wichtrach, Wiggiswil, Wiler bei Utzenstorf, Wileroltigen, Willadingen, Worb, Worben, Wynigen, Zielebach, Zuzwil (BE), Zäziwil.
Premium region 3
Saanen, Boltigen, Herzogenbuchsee, Niederönz … · 175 postcodes
| Insurer | Premium/month | vs 2025 |
|---|---|---|
| Agrisano Krankenkasse AG | CHF 520.40 | +5.0% |
| Sumiswalder Krankenkasse | CHF 523.10 | +4.8% |
| Krankenkasse Luzerner Hinterland | CHF 528.55 | +5.0% |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 542.00 | +3.2% |
| Visana AG | CHF 542.50 | +2.4% |
| sodalis gesundheitsgruppe | CHF 555.00 | +6.9% |
| Aquilana Versicherungen | CHF 564.20 | +5.5% |
| Genossenschaft KRANKENKASSE SLKK | CHF 566.30 | +4.3% |
The cheapest premium in this region was CHF 414.00 in 2021 and is CHF 520.40 in 2026 — that is +25.7%.
Calculate premiums for postcode 1657
Municipalities in this premium region (107): Aarwangen, Adelboden, Aeschi bei Spiez, Affoltern im Emmental, Attiswil, Auswil, Bannwil, Beatenberg, Berken, Bettenhausen, Bleienbach, Boltigen, Brienz (BE), Brienzwiler, Busswil bei Melchnau, Bönigen, Diemtigen, Därligen, Därstetten, Dürrenroth, Eggiwil, Eriswil, Erlenbach im Simmental, Farnern, Frutigen, Gondiswil, Graben, Grindelwald, Gsteig, Gsteigwiler, Guttannen, Gündlischwand, Habkern, Hasliberg, Heimenhausen, Herzogenbuchsee, Hofstetten bei Brienz, Huttwil, Inkwil, Innertkirchen, Interlaken, Iseltwald, Kandergrund, Kandersteg, Krattigen, Langenthal, Langnau im Emmental, Lauenen, Lauperswil, Lauterbrunnen, Leissigen, Lenk, Lotzwil, Lütschental, Lützelflüh, Madiswil, Matten bei Interlaken, Meiringen, Melchnau, Niederbipp, Niederried bei Interlaken, Niederönz, Oberbipp, Oberried am Brienzersee, Oberwil im Simmental, Ochlenberg, Oeschenbach, Reichenbach im Kandertal, Reisiswil, Ringgenberg (BE), Roggwil (BE), Rohrbach, Rohrbachgraben, Rumisberg, Röthenbach im Emmental, Rüderswil, Rüegsau, Rütschelen, Saanen, Saxeten, Schangnau, Schattenhalb, Schwanden bei Brienz, Schwarzhäusern, Seeberg, Signau, Spiez, St. Stephan, Stocken-Höfen, Sumiswald, Thunstetten, Thörigen, Trachselwald, Trub, Trubschachen, Unterseen, Ursenbach, Walliswil bei Niederbipp, Walliswil bei Wangen, Walterswil (BE), Wangen an der Aare, Wiedlisbach, Wilderswil, Wimmis, Wynau, Wyssachen, Zweisimmen.
Why the premium depends on your municipality
Larger cantons are divided into up to three premium regions. Your place of residence counts, not your place of work. Anyone who moves may switch insurer mid-year.
Reference profile: adult aged 26+, deductible CHF 300, standard model with free choice of doctor, with accident cover. Your own premium depends on year of birth, deductible and model.
Frequently asked questions
What is the cheapest health insurance premium in 2026 in the canton of Bern?
The lowest officially approved premium in the canton of Bern is CHF 520.40 per month in 2026, the highest CHF 758.90. That is a difference of CHF 2'862 per year for legally identical benefits. The figures apply to the reference person of the table above: an adult, deductible CHF 300, standard model with free choice of doctor, with accident cover. Your own premium depends on age, deductible, model and municipality.
Why do premiums differ within the canton of Bern?
Because the FOPH divides the canton into premium regions (here: 3). The regions reflect differing healthcare costs — urban regions are usually more expensive than rural ones. Within one region all insured persons of the same insurer with the same options pay the same premium.
Are these the definitive premiums for 2026?
Yes. Premiums for basic insurance must be approved by the Federal Office of Public Health before they apply; approval for a given year happens at the end of September of the previous year. After that they may not be changed during the year.