Health insurance premiums 2026 in the canton of Luzern
Premium region 1
Luzern, Horw, Kriens, Ebikon … · 17 postcodes
| Insurer | Premium/month | vs 2025 |
|---|---|---|
| Krankenkasse Luzerner Hinterland | CHF 502.55 | +4.0% |
| Atupri Gesundheitsversicherung AG | CHF 525.10 | +4.5% |
| Sanitas Grundversicherungen AG | CHF 530.60 | +3.8% |
| Vivao Sympany AG | CHF 535.00 | +6.2% |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 547.00 | +0.0% |
| Agrisano Krankenkasse AG | CHF 548.30 | +1.5% |
| Sumiswalder Krankenkasse | CHF 548.30 | +6.5% |
| Assura-Basis AG | CHF 553.50 | +3.1% |
The cheapest premium in this region was CHF 411.50 in 2021 and is CHF 502.55 in 2026 — that is +22.1%.
Calculate premiums for postcode 6003
Municipalities in this premium region (5): Ebikon, Emmen, Horw, Kriens, Luzern.
Premium region 2
Meggen, Malters, Ruswil, Neuenkirch … · 35 postcodes
| Insurer | Premium/month | vs 2025 |
|---|---|---|
| Krankenkasse Luzerner Hinterland | CHF 468.55 | +3.0% |
| Agrisano Krankenkasse AG | CHF 495.00 | +2.5% |
| Sumiswalder Krankenkasse | CHF 505.00 | +6.6% |
| Sanitas Grundversicherungen AG | CHF 509.90 | +4.8% |
| Atupri Gesundheitsversicherung AG | CHF 512.00 | +3.4% |
| Einsiedler Krankenkasse | CHF 512.75 | +5.0% |
| Vivao Sympany AG | CHF 515.00 | +5.5% |
| Assura-Basis AG | CHF 515.90 | +3.1% |
The cheapest premium in this region was CHF 387.40 in 2021 and is CHF 468.55 in 2026 — that is +20.9%.
Calculate premiums for postcode 6006
Municipalities in this premium region (19): Adligenswil, Buchrain, Dierikon, Eich, Malters, Meggen, Meierskappel, Neuenkirch, Nottwil, Oberkirch, Root, Rothenburg, Ruswil, Schenkon, Sempach, Sursee, Udligenswil, Werthenstein, Wolhusen.
Premium region 3
Escholzmatt-Marbach, Wikon, Pfaffnau, Luthern … · 96 postcodes
| Insurer | Premium/month | vs 2025 |
|---|---|---|
| Krankenkasse Luzerner Hinterland | CHF 452.80 | +3.0% |
| Agrisano Krankenkasse AG | CHF 481.80 | +0.5% |
| Sumiswalder Krankenkasse | CHF 488.80 | +6.5% |
| Vivao Sympany AG | CHF 490.00 | +4.5% |
| Sanitas Grundversicherungen AG | CHF 493.70 | +4.8% |
| Atupri Gesundheitsversicherung AG | CHF 494.60 | +3.9% |
| Assura-Basis AG | CHF 497.40 | +3.1% |
| EGK Grundversicherungen AG | CHF 500.80 | +6.6% |
The cheapest premium in this region was CHF 375.10 in 2021 and is CHF 452.80 in 2026 — that is +20.7%.
Calculate premiums for postcode 3555
Municipalities in this premium region (55): Aesch (LU), Alberswil, Altbüron, Altishofen, Ballwil, Beromünster, Buttisholz, Büron, Dagmersellen, Doppleschwand, Egolzwil, Entlebuch, Ermensee, Eschenbach (LU), Escholzmatt-Marbach, Ettiswil, Fischbach, Flühli, Geuensee, Gisikon, Greppen, Grossdietwil, Grosswangen, Hasle (LU), Hergiswil bei Willisau, Hildisrieden, Hitzkirch, Hochdorf, Hohenrain, Inwil, Knutwil, Luthern, Mauensee, Menznau, Nebikon, Pfaffnau, Rain, Reiden, Rickenbach (LU), Roggliswil, Romoos, Römerswil, Schlierbach, Schongau, Schwarzenberg, Schötz, Schüpfheim, Triengen, Ufhusen, Vitznau, Wauwil, Weggis, Wikon, Willisau, Zell (LU).
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 Luzern?
The lowest officially approved premium in the canton of Luzern is CHF 452.80 per month in 2026, the highest CHF 640.60. That is a difference of CHF 2'254 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 Luzern?
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.