Health insurance premiums 2026 in the canton of St. Gallen
Premium region 1
St. Gallen, Gossau (SG), Gaiserwald, Niederbüren … · 35 postcodes
| Insurer | Premium/month | vs 2025 |
|---|---|---|
| Agrisano Krankenkasse AG | CHF 536.40 | +4.0% |
| Sanitas Grundversicherungen AG | CHF 551.30 | +4.1% |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 552.00 | +2.8% |
| Sumiswalder Krankenkasse | CHF 555.30 | +2.8% |
| Atupri Gesundheitsversicherung AG | CHF 559.20 | +3.4% |
| Vivao Sympany AG | CHF 561.00 | +4.7% |
| Aquilana Versicherungen | CHF 566.70 | +4.0% |
| Helsana Versicherungen AG | CHF 569.00 | +3.6% |
The cheapest premium in this region was CHF 429.70 in 2021 and is CHF 536.40 in 2026 — that is +24.8%.
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 2025 |
|---|---|---|
| Agrisano Krankenkasse AG | CHF 487.90 | +4.0% |
| Atupri Gesundheitsversicherung AG | CHF 511.10 | +2.8% |
| Sumiswalder Krankenkasse | CHF 515.70 | +2.9% |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 518.00 | +3.2% |
| Aquilana Versicherungen | CHF 525.40 | +4.0% |
| EGK Grundversicherungen AG | CHF 526.10 | +3.2% |
| KPT Krankenkasse AG | CHF 528.60 | +1.5% |
| CSS Kranken-Versicherung AG | CHF 529.00 | +2.5% |
The cheapest premium in this region was CHF 395.50 in 2021 and is CHF 487.90 in 2026 — that is +23.4%.
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 2025 |
|---|---|---|
| Agrisano Krankenkasse AG | CHF 467.00 | +4.0% |
| vita surselva | CHF 490.00 | +2.1% |
| Sumiswalder Krankenkasse | CHF 494.50 | +2.8% |
| KPT Krankenkasse AG | CHF 507.70 | +1.5% |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 508.00 | +3.5% |
| SWICA Krankenversicherung AG | CHF 508.90 | +3.9% |
| EGK Grundversicherungen AG | CHF 510.60 | +3.2% |
| Atupri Gesundheitsversicherung AG | CHF 511.10 | +3.4% |
The cheapest premium in this region was CHF 384.70 in 2021 and is CHF 467.00 in 2026 — that is +21.4%.
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 2026 in the canton of St. Gallen?
The lowest officially approved premium in the canton of St. Gallen is CHF 467.00 per month in 2026, the highest CHF 665.90. That is a difference of CHF 2'387 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 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.