Basic health insurance 2026
Swiss health insurance premiums 2026
The same legally defined cover costs CHF 202.25 or CHF 470.85 a month depending on the canton you live in – Zug against Geneva, cheapest adult offer at a CHF 2,500 deductible. That is CHF 3,223 difference a year. Compared with 2025, premiums changed by +5.5 % for the typical insured person.
Across Switzerland the cheapest compulsory basic health insurance for adults with a CHF 2,500 deductible costs between CHF 202.25 per month in the canton of Zug and CHF 470.85 in the canton of Geneva in 2026 – a difference of CHF 3,223 a year for exactly the same legally defined cover. Compared with 2025, premiums changed by +5.5 % for the typical insured person. Source: Swiss Federal Office of Public Health (FOPH), as of 05.08.2026.
What you are buying – and what you can choose
Basic health insurance is compulsory for everyone living in Switzerland, and you must arrange it yourself within three months of arriving – it is not deducted from your salary and no employer does it for you. What it covers is written into federal law, so every insurer offers exactly the same medical cover and must accept you regardless of your health.
That is why the table below is a price list, not a product comparison. A cheaper premium buys the same treatment from a different company. What you choose is the insurer, the deductible (CHF 300 to 2,500 for adults) and the model – whether you may go to any doctor or agree to contact a family doctor, an HMO practice or a telemedicine line first.
Premiums by canton 2026
Shown is the cheapest offer per canton for adults at a CHF 2,500 deductible including accident cover – lower bound against lower bound. In 11 cantons the price also depends on where exactly you live; across Switzerland there are 42 premium regions.
| Canton | Cheapest premium | Insurer | Regions | vs. 2025 |
|---|---|---|---|---|
| Zug | CHF 202.25 | CONCORDIA | 1 | −14.1 % |
| Appenzell Innerrhoden | CHF 226.95 | Sympany | 1 | +6.3 % |
| Uri | CHF 261.15 | Agrisano | 1 | +6.9 % |
| Obwalden | CHF 267.25 | Agrisano | 1 | +6.1 % |
| Nidwalden | CHF 269.85 | Agrisano | 1 | +5.5 % |
| Graubünden | CHF 274.70 | Vita Surselva | 3 | +6.4 % |
| Schwyz | CHF 284.65 | Agrisano | 1 | +6.1 % |
| St. Gallen | CHF 286.15 | Agrisano | 3 | +5.2 % |
| Valais | CHF 289.95 | Sodalis | 2 | +6.7 % |
| Lucerne | CHF 292.15 | Luzerner Hinterland | 3 | +5.7 % |
| Appenzell Ausserrhoden | CHF 296.75 | Agrisano | 1 | +5.8 % |
| Zurich | CHF 312.25 | Agrisano | 3 | +5.7 % |
| Glarus | CHF 313.95 | KPT | 1 | +6.6 % |
| Thurgau | CHF 314.15 | Agrisano | 1 | +5.4 % |
| Schaffhausen | CHF 318.25 | Agrisano | 2 | +5.0 % |
| Fribourg | CHF 331.75 | Visana | 2 | +5.0 % |
| Bern | CHF 332.05 | Agrisano | 3 | +5.4 % |
| Aargau | CHF 338.35 | Agrisano | 1 | +7.2 % |
| Solothurn | CHF 365.35 | Visana | 1 | +7.2 % |
| Basel-Landschaft | CHF 379.25 | Agrisano | 2 | +5.4 % |
| Vaud | CHF 403.85 | Assura | 2 | +5.6 % |
| Ticino | CHF 423.45 | Agrisano | 2 | +8.2 % |
| Jura | CHF 427.65 | Agrisano | 1 | +6.3 % |
| Neuchâtel | CHF 428.75 | SWICA | 1 | +5.0 % |
| Basel-Stadt | CHF 442.45 | CSS | 1 | +3.7 % |
| Geneva | CHF 470.85 | Assura | 1 | +4.4 % |
What would you pay at your address?
The table shows the lower bound per canton. What applies to you depends on age, deductible, model and – in 11 cantons – your postcode.
Why is the premium different in the next canton?
Because it reflects the costs actually incurred there. The cover is the same across the country – what differs are the health costs of the region: density of hospitals and doctors, number of treatments, price level. Premiums follow those costs because each canton carries its own.
This is why switching insurer within your canton is the one lever genuinely in your hands. The spread within a canton is usually wider than the gap to the neighbouring one – several hundred francs a year often separate the cheapest insurer from the most commonly chosen one, at identical cover.
By when must I cancel to switch for 2026?
Basic insurance runs to the end of the calendar year with one month's notice, so you cancel in the previous year: the letter had to arrive at your previous insurer by 30 November 2025 – sending it in time is not enough, so send it by registered post.
Changing only your deductible needs no change of insurer – but the same deadline applies. Work out the deductible with your own costs
All cantons
AargauAppenzell AusserrhodenAppenzell InnerrhodenBasel-LandschaftBasel-StadtBernFribourgGenevaGlarusGraubündenJuraLucerneNeuchâtelNidwaldenObwaldenSchaffhausenSchwyzSolothurnSt. GallenThurgauTicinoUriValaisVaudZugZurich