Health insurance premiums 2027 in the canton of St. Gallen
Premium region 1
St. Gallen, Gossau (SG), Gaiserwald, Niederbüren … · 35 postcodes
| Insurer | Premium/month | vs 2026 |
|---|---|---|
| Agrisano Krankenkasse AG | CHF 560.50 | +4.5% |
| Genossenschaft Glarner Krankenversicherung | CHF 560.70 | -3.4% |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 562.00 | +1.8% |
| Sumiswalder Krankenkasse | CHF 574.20 | +3.4% |
| Sanitas Grundversicherungen AG | CHF 574.70 | +4.2% |
| Atupri Gesundheitsversicherung AG | CHF 576.40 | +3.1% |
| CONCORDIA Schweiz. Kranken- und Unfallversicherung AG | CHF 586.20 | +3.0% |
| Helsana Versicherungen AG | CHF 588.00 | +3.3% |
The cheapest premium in this region was CHF 429.70 in 2021 and is CHF 560.50 in 2027 — that is +30.4%.
Calculate premiums for postcode 9000
Municipalities in this premium region (8): Gaiserwald, Gossau (SG), Niederbüren, Niederhelfenschwil, Oberbüren, St. Gallen, Wil (SG), Zuzwil (SG).
Premium region 2
Bad Ragaz, Pfäfers, Sargans, Vilters-Wangs … · 127 postcodes
| Insurer | Premium/month | vs 2026 |
|---|---|---|
| Agrisano Krankenkasse AG | CHF 509.90 | +4.5% |
| Genossenschaft Glarner Krankenversicherung | CHF 518.50 | -3.6% |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 527.00 | +1.7% |
| Atupri Gesundheitsversicherung AG | CHF 528.60 | +3.4% |
| Sumiswalder Krankenkasse | CHF 533.60 | +3.5% |
| vita surselva | CHF 542.00 | +1.9% |
| CONCORDIA Schweiz. Kranken- und Unfallversicherung AG | CHF 546.60 | +2.5% |
| KPT Krankenkasse AG | CHF 547.10 | +3.5% |
The cheapest premium in this region was CHF 395.50 in 2021 and is CHF 509.90 in 2027 — that is +28.9%.
Calculate premiums for postcode 7310
Municipalities in this premium region (44): Amden, Andwil (SG), Au (SG), Bad Ragaz, Benken (SG), Berg (SG), Buchs (SG), Eggersriet, Eschenbach (SG), Flawil, Flums, Goldach, Gommiswald, Häggenschwil, Jonschwil, Kaltbrunn, Kirchberg (SG), Mels, Muolen, Mörschwil, Oberuzwil, Pfäfers, Quarten, Rapperswil-Jona, Rheineck, Rorschach, Rorschacherberg, Sargans, Schmerikon, Schänis, Sevelen, St. Margrethen, Steinach, Thal, Tübach, Untereggen, Uznach, Uzwil, Vilters-Wangs, Waldkirch, Walenstadt, Wartau, Weesen, Wittenbach.
Premium region 3
Mosnang, Wattwil, Altstätten, Neckertal … · 67 postcodes
| Insurer | Premium/month | vs 2026 |
|---|---|---|
| Agrisano Krankenkasse AG | CHF 488.00 | +4.5% |
| vita surselva | CHF 502.00 | +2.4% |
| Genossenschaft Glarner Krankenversicherung | CHF 504.60 | -2.3% |
| Helsana Versicherungen AG | CHF 513.00 | -2.5% |
| Sumiswalder Krankenkasse | CHF 513.40 | +3.8% |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 517.00 | +1.8% |
| SWICA Krankenversicherung AG | CHF 523.90 | +2.9% |
| KPT Krankenkasse AG | CHF 528.00 | +4.0% |
The cheapest premium in this region was CHF 384.70 in 2021 and is CHF 488.00 in 2027 — that is +26.9%.
Calculate premiums for postcode 8376
Municipalities in this premium region (23): Altstätten, Balgach, Berneck, Bütschwil-Ganterschwil, Degersheim, Diepoldsau, Ebnat-Kappel, Eichberg, Gams, Grabs, Lichtensteig, Lütisburg, Marbach (SG), Mosnang, Neckertal, Nesslau, Oberriet (SG), Rebstein, Rüthi (SG), Sennwald, Wattwil, Widnau, Wildhaus-Alt St. Johann.
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 St. Gallen?
The lowest officially approved premium in the canton of St. Gallen is CHF 488.00 per month in 2027, the highest CHF 730.50. That is a difference of CHF 2'910 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 St. Gallen?
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.