Health insurance premiums 2027 in the canton of Luzern
Premium region 1
Luzern, Horw, Kriens, Ebikon … · 17 postcodes
| Insurer | Premium/month | vs 2026 |
|---|---|---|
| Krankenkasse Luzerner Hinterland | CHF 527.65 | +5.0% |
| Atupri Gesundheitsversicherung AG | CHF 546.10 | +4.0% |
| Sanitas Grundversicherungen AG | CHF 549.40 | +3.5% |
| Vivao Sympany AG | CHF 562.00 | +5.0% |
| Sumiswalder Krankenkasse | CHF 564.80 | +3.0% |
| CONCORDIA Schweiz. Kranken- und Unfallversicherung AG | CHF 569.20 | +2.2% |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 571.00 | +4.4% |
| EGK Grundversicherungen AG | CHF 577.70 | +3.0% |
The cheapest premium in this region was CHF 411.50 in 2021 and is CHF 527.65 in 2027 — that is +28.2%.
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 2026 |
|---|---|---|
| Krankenkasse Luzerner Hinterland | CHF 489.65 | +4.5% |
| Sumiswalder Krankenkasse | CHF 520.20 | +3.0% |
| Agrisano Krankenkasse AG | CHF 522.20 | +5.5% |
| Atupri Gesundheitsversicherung AG | CHF 530.80 | +3.7% |
| Sanitas Grundversicherungen AG | CHF 533.30 | +4.6% |
| CONCORDIA Schweiz. Kranken- und Unfallversicherung AG | CHF 536.10 | +2.5% |
| EGK Grundversicherungen AG | CHF 537.30 | +3.0% |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 540.00 | +3.6% |
The cheapest premium in this region was CHF 387.40 in 2021 and is CHF 489.65 in 2027 — that is +26.4%.
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, Ufhusen … · 96 postcodes
| Insurer | Premium/month | vs 2026 |
|---|---|---|
| Krankenkasse Luzerner Hinterland | CHF 468.65 | +3.5% |
| Sumiswalder Krankenkasse | CHF 503.60 | +3.0% |
| Agrisano Krankenkasse AG | CHF 508.30 | +5.5% |
| Atupri Gesundheitsversicherung AG | CHF 512.80 | +3.7% |
| EGK Grundversicherungen AG | CHF 515.90 | +3.0% |
| Sanitas Grundversicherungen AG | CHF 516.40 | +4.6% |
| CONCORDIA Schweiz. Kranken- und Unfallversicherung AG | CHF 521.60 | +2.5% |
| vita surselva | CHF 522.00 | +2.0% |
The cheapest premium in this region was CHF 375.10 in 2021 and is CHF 468.65 in 2027 — that is +24.9%.
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 2027 in the canton of Luzern?
The lowest officially approved premium in the canton of Luzern is CHF 468.65 per month in 2027, the highest CHF 677.20. That is a difference of CHF 2'503 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 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.