Health insurance premiums 2026 in the canton of Graubünden
Premium region 1
San Vittore, Roveredo (GR), Grono, Castaneda … · 37 postcodes
| Insurer | Premium/month | vs 2025 |
|---|---|---|
| vita surselva | CHF 499.00 | +4.0% |
| curaulta | CHF 500.10 | +4.0% |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 515.00 | +4.0% |
| Sumiswalder Krankenkasse | CHF 526.10 | +4.8% |
| Sanitas Grundversicherungen AG | CHF 539.90 | +3.1% |
| CONCORDIA Schweiz. Kranken- und Unfallversicherung AG | CHF 540.00 | +6.0% |
| KPT Krankenkasse AG | CHF 543.90 | +4.5% |
| Mutuel Krankenversicherung AG | CHF 548.00 | +6.9% |
The cheapest premium in this region was CHF 389.00 in 2021 and is CHF 499.00 in 2026 — that is +28.3%.
Calculate premiums for postcode 6533
Municipalities in this premium region (15): Arosa, Buseno, Calanca, Cama, Castaneda, Chur, Churwalden, Grono, Lostallo, Mesocco, Rossa, Roveredo (GR), San Vittore, Santa Maria in Calanca, Soazza.
Premium region 2
Felsberg, Domat/Ems, Trin, Tamins … · 113 postcodes
| Insurer | Premium/month | vs 2025 |
|---|---|---|
| vita surselva | CHF 464.00 | +4.0% |
| curaulta | CHF 466.10 | +4.1% |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 484.00 | +5.4% |
| Agrisano Krankenkasse AG | CHF 486.00 | +2.0% |
| Sumiswalder Krankenkasse | CHF 489.80 | +4.2% |
| Sanitas Grundversicherungen AG | CHF 515.30 | +4.2% |
| rhenusana | CHF 521.00 | +5.9% |
| CONCORDIA Schweiz. Kranken- und Unfallversicherung AG | CHF 521.10 | +4.5% |
The cheapest premium in this region was CHF 369.00 in 2021 and is CHF 464.00 in 2026 — that is +25.7%.
Calculate premiums for postcode 7012
Municipalities in this premium region (45): Bever, Bonaduz, Bregaglia, Brusio, Celerina/Schlarigna, Conters im Prättigau, Davos, Domat/Ems, Felsberg, Fideris, Flims, Fläsch, Furna, Grüsch, Jenaz, Jenins, Klosters, Küblis, La Punt Chamues-ch, Landquart, Luzein, Madulain, Maienfeld, Malans, Pontresina, Poschiavo, Rhäzüns, S-chanf, Samedan, Samnaun, Schiers, Scuol, Seewis im Prättigau, Sils im Engadin/Segl, Silvaplana, St. Moritz, Tamins, Trimmis, Trin, Untervaz, Val Müstair, Valsot, Zernez, Zizers, Zuoz.
Premium region 3
Laax, Vaz/Obervaz, Lantsch/Lenz, Albula/Alvra … · 127 postcodes
| Insurer | Premium/month | vs 2025 |
|---|---|---|
| vita surselva | CHF 426.00 | +4.2% |
| curaulta | CHF 429.30 | +4.0% |
| Sumiswalder Krankenkasse | CHF 461.50 | +5.6% |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 473.00 | +5.6% |
| Agrisano Krankenkasse AG | CHF 473.40 | +2.0% |
| Vivao Sympany AG | CHF 493.00 | +2.1% |
| rhenusana | CHF 494.90 | +6.0% |
| Assura-Basis AG | CHF 495.60 | +5.0% |
The cheapest premium in this region was CHF 338.50 in 2021 and is CHF 426.00 in 2026 — that is +25.8%.
Calculate premiums for postcode 7031
Municipalities in this premium region (40): Albula/Alvra, Andeer, Avers, Bergün Filisur, Breil/Brigels, Cazis, Disentis/Mustér, Domleschg, Falera, Ferrera, Flerden, Fürstenau, Ilanz/Glion, Laax, Lantsch/Lenz, Lumnezia, Masein, Medel (Lucmagn), Muntogna da Schons, Obersaxen Mundaun, Rheinwald, Rongellen, Rothenbrunnen, Safiental, Sagogn, Scharans, Schluein, Schmitten (GR), Sils im Domleschg, Sufers, Sumvitg, Surses, Thusis, Trun, Tschappina, Tujetsch, Urmein, Vals, Vaz/Obervaz, Zillis-Reischen.
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 Graubünden?
The lowest officially approved premium in the canton of Graubünden is CHF 426.00 per month in 2026, the highest CHF 660.10. That is a difference of CHF 2'809 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 Graubünden?
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.