Health insurance premiums 2027 in the canton of Graubünden
Premium region 1
San Vittore, Roveredo (GR), Grono, Castaneda … · 37 postcodes
| Insurer | Premium/month | vs 2026 |
|---|---|---|
| curaulta | CHF 525.20 | +5.0% |
| vita surselva | CHF 529.00 | +6.0% |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 534.00 | +3.7% |
| Sumiswalder Krankenkasse | CHF 547.40 | +4.0% |
| CONCORDIA Schweiz. Kranken- und Unfallversicherung AG | CHF 556.20 | +3.0% |
| KPT Krankenkasse AG | CHF 562.90 | +3.5% |
| Sanitas Grundversicherungen AG | CHF 568.00 | +5.2% |
| Helsana Versicherungen AG | CHF 574.00 | +3.1% |
The cheapest premium in this region was CHF 389.00 in 2021 and is CHF 525.20 in 2027 — that is +35.0%.
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 2026 |
|---|---|---|
| curaulta | CHF 489.50 | +5.0% |
| vita surselva | CHF 492.00 | +6.0% |
| Agrisano Krankenkasse AG | CHF 500.60 | +3.0% |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 510.00 | +5.4% |
| Sumiswalder Krankenkasse | CHF 512.10 | +4.6% |
| Helsana Versicherungen AG | CHF 529.00 | -0.8% |
| SWICA Krankenversicherung AG | CHF 535.60 | +0.0% |
| CONCORDIA Schweiz. Kranken- und Unfallversicherung AG | CHF 536.70 | +3.0% |
The cheapest premium in this region was CHF 369.00 in 2021 and is CHF 489.50 in 2027 — that is +32.7%.
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 2026 |
|---|---|---|
| curaulta | CHF 450.80 | +5.0% |
| vita surselva | CHF 452.00 | +6.1% |
| Sumiswalder Krankenkasse | CHF 483.70 | +4.8% |
| Agrisano Krankenkasse AG | CHF 487.60 | +3.0% |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 488.00 | +3.2% |
| Assura-Basis AG | CHF 505.50 | +2.0% |
| SWICA Krankenversicherung AG | CHF 512.30 | +0.0% |
| CONCORDIA Schweiz. Kranken- und Unfallversicherung AG | CHF 513.30 | +3.0% |
The cheapest premium in this region was CHF 338.50 in 2021 and is CHF 450.80 in 2027 — that is +33.2%.
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 2027 in the canton of Graubünden?
The lowest officially approved premium in the canton of Graubünden is CHF 450.80 per month in 2027, the highest CHF 685.20. That is a difference of CHF 2'813 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 2027?
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.