The cheapest compulsory basic insurance for adults in St. Gallen costs CHF 286.15 a month in 2026 at Agrisano – CHF 2,500 deductible, Other saver models, in the premium region St. Gallen 3. Compared with 2025 insurers here changed their premiums by +5.2 %.
Before you compare: what you are actually choosing
Basic health insurance (Grundversicherung, KVG/LAMal) is compulsory for everyone living in Switzerland, and what it covers is written into federal law. Every insurer must offer exactly the same medical cover and must accept you regardless of your health. So a cheaper premium does not buy you less treatment – it buys the same treatment from a different company.
What you actually choose is three things: the insurer, the deductible (Franchise, CHF 300 to 2,500 for adults) and the model – whether you may go to any doctor, or agree to call a family doctor, an HMO practice or a telemedicine line first. Restricting your first point of contact is what makes the saver models cheaper.
Two things are not your choice: the canton and municipality you live in, which set the premium region, and your age group. Supplementary insurance (Zusatzversicherung) is a separate, voluntary product with its own rules – insurers may reject you there.
In St. Gallen the premium does not depend on the canton but on the premium region. Enter where you live and you will see which table applies to you.
Within St. Gallen the cheapest offer differs by up to CHF 721 a year depending on where you live – for identical cover.
What does health insurance cost in premium region St. Gallen 1 in 2026?
In premium region 1 of the canton of St. Gallen – which covers St. Gallen, Wil (SG), Gossau (SG) – the cheapest compulsory basic health insurance for adults with a CHF 2,500 deductible costs CHF 346.20 per month in 2026, offered by Sanitas (Family doctor model). Source: Swiss Federal Office of Public Health (FOPH), as of 05.08.2026.
The most commonly chosen insurer here is SWICA (24.3% of the insured). Its cheapest offer costs CHF 349.45 a month – CHF 39 more a year than the cheapest offer, for cover that is identical by law. In basic insurance market share measures inertia, not quality.
Adults (26 and over)
Cheapest basic health insurance for Adults (26 and over) in the premium region St. Gallen 1 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Sanitas
Family doctor model
CHF 346.20
CHF 474.50
+5.6 %
Sympany
HMO model
CHF 346.25
CHF 474.55
+8.3 %
Sympany
Other saver models
CHF 349.05
CHF 477.35
+7.3 %
sana24
Other saver models
CHF 349.25
CHF 477.55
+5.3 %
SWICA
Family doctor model
CHF 349.45
CHF 477.75
−0.1 %
Helsana
Family doctor model
CHF 350.15
CHF 478.45
+6.8 %
Helsana
Other saver models
CHF 350.15
CHF 478.45
+5.0 %
SWICA
HMO model
CHF 350.95
CHF 479.25
+4.1 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,540 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 2,010 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Young adults (19 to 25)
Cheapest basic health insurance for Young adults (19 to 25) in the premium region St. Gallen 1 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
CSS
Family doctor model
CHF 205.95
CHF 334.25
−11.1 %
Sanitas
Family doctor model
CHF 214.80
CHF 343.10
+7.3 %
Sanitas
Other saver models
CHF 214.85
CHF 343.15
+7.4 %
Sympany
HMO model
CHF 216.75
CHF 345.05
+2.6 %
Sanitas
HMO model
CHF 218.55
CHF 346.85
+9.2 %
Sympany
Other saver models
CHF 218.75
CHF 347.05
+3.6 %
Assura
Family doctor model
CHF 222.15
CHF 344.35
+2.4 %
ÖKK
Family doctor model
CHF 226.75
CHF 355.05
+10.4 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,540 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 2,010 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Children (up to 18)
Cheapest basic health insurance for Children (up to 18) in the premium region St. Gallen 1 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 600
Deductible 0
vs. 2025
Rhenusana
Family doctor model
CHF 23.05
CHF 37.05
+12.4 %
Rhenusana
Other saver models
CHF 23.05
CHF 37.05
+12.8 %
Agrisano
Other saver models
CHF 23.05
CHF 43.35
+3.7 %
Agrisano
HMO model
CHF 23.15
CHF 44.15
+3.7 %
Agrisano
Standard (free choice of doctor)
CHF 25.45
CHF 48.45
+4.1 %
sana24
HMO model
CHF 25.95
CHF 45.75
+3.7 %
SWICA
HMO model
CHF 26.15
CHF 49.75
+3.6 %
SWICA
Family doctor model
CHF 26.15
CHF 46.15
+3.6 %
The lower premium at the 600 deductible is not a saving but a trade: you pay CHF 168 less in premiums a year, and carry up to CHF 600 more of your own treatment costs. The switch turns at roughly CHF 190 of treatment costs a year – below that the 600 deductible is cheaper, above it the 0. Work it out with your own costs
Which places belong to premium region St. Gallen 1? (8 municipalities, 141,203 residents)
What does health insurance cost in premium region St. Gallen 2 in 2026?
In premium region 2 of the canton of St. Gallen – which covers Rapperswil-Jona, Uzwil, Buchs (SG) – the cheapest compulsory basic health insurance for adults with a CHF 2,500 deductible costs CHF 304.15 per month in 2026, offered by Agrisano (Other saver models). Source: Swiss Federal Office of Public Health (FOPH), as of 05.08.2026.
The most commonly chosen insurer here is SWICA (24.3% of the insured). Its cheapest offer costs CHF 316.65 a month – CHF 150 more a year than the cheapest offer, for cover that is identical by law. In basic insurance market share measures inertia, not quality.
Adults (26 and over)
Cheapest basic health insurance for Adults (26 and over) in the premium region St. Gallen 2 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Agrisano
Other saver models
CHF 304.15
CHF 414.45
+6.8 %
Atupri
HMO model
CHF 310.45
CHF 438.75
+0.5 %
CSS
Family doctor model
CHF 310.95
CHF 439.25
−1.8 %
Atupri
Other saver models
CHF 311.75
CHF 440.05
+7.0 %
KPT
Other saver models
CHF 315.05
CHF 443.35
+2.0 %
SWICA
Family doctor model
CHF 316.65
CHF 444.95
+0.8 %
SWICA
HMO model
CHF 317.95
CHF 446.25
+3.3 %
KPT
HMO model
CHF 319.05
CHF 447.35
+5.9 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,324 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 1,770 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Young adults (19 to 25)
Cheapest basic health insurance for Young adults (19 to 25) in the premium region St. Gallen 2 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Agrisano
Other saver models
CHF 190.85
CHF 301.15
+7.7 %
CSS
Family doctor model
CHF 190.95
CHF 319.25
−6.4 %
Atupri
HMO model
CHF 199.45
CHF 327.75
+0.5 %
Atupri
Other saver models
CHF 200.45
CHF 328.75
+4.8 %
Agrisano
HMO model
CHF 204.55
CHF 322.55
+6.4 %
ÖKK
Family doctor model
CHF 204.55
CHF 332.85
+11.0 %
ÖKK
Other saver models
CHF 204.55
CHF 332.85
+11.0 %
ÖKK
HMO model
CHF 205.35
CHF 325.35
+11.4 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,324 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 1,770 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Children (up to 18)
Cheapest basic health insurance for Children (up to 18) in the premium region St. Gallen 2 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 600
Deductible 0
vs. 2025
Rhenusana
Other saver models
CHF 19.35
CHF 33.35
+9.4 %
Rhenusana
Family doctor model
CHF 19.65
CHF 33.65
+9.7 %
Agrisano
Other saver models
CHF 20.55
CHF 36.85
+4.0 %
Agrisano
HMO model
CHF 20.75
CHF 39.75
+4.0 %
Agrisano
Standard (free choice of doctor)
CHF 22.65
CHF 43.65
+4.1 %
SWICA
HMO model
CHF 23.55
CHF 45.95
+4.0 %
SWICA
Family doctor model
CHF 23.55
CHF 42.65
+4.0 %
SWICA
Other saver models
CHF 23.55
CHF 48.15
+4.0 %
The lower premium at the 600 deductible is not a saving but a trade: you pay CHF 168 less in premiums a year, and carry up to CHF 600 more of your own treatment costs. The switch turns at roughly CHF 190 of treatment costs a year – below that the 600 deductible is cheaper, above it the 0. Work it out with your own costs
Which places belong to premium region St. Gallen 2? (44 municipalities, 261,350 residents)
What does health insurance cost in premium region St. Gallen 3 in 2026?
In premium region 3 of the canton of St. Gallen – which covers Altstätten, Widnau, Oberriet (SG) – the cheapest compulsory basic health insurance for adults with a CHF 2,500 deductible costs CHF 286.15 per month in 2026, offered by Agrisano (Other saver models). Source: Swiss Federal Office of Public Health (FOPH), as of 05.08.2026.
The most commonly chosen insurer here is SWICA (24.3% of the insured). Its cheapest offer costs CHF 297.85 a month – CHF 140 more a year than the cheapest offer, for cover that is identical by law. In basic insurance market share measures inertia, not quality.
Adults (26 and over)
Cheapest basic health insurance for Adults (26 and over) in the premium region St. Gallen 3 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Agrisano
Other saver models
CHF 286.15
CHF 396.45
+6.9 %
SWICA
HMO model
CHF 297.85
CHF 426.15
+6.0 %
KPT
Other saver models
CHF 298.35
CHF 426.65
+2.0 %
GALENOS
Other saver models
CHF 300.95
CHF 429.25
no prior-year figure
Assura
Family doctor model
CHF 301.65
CHF 429.95
+3.4 %
KPT
HMO model
CHF 302.15
CHF 430.45
+5.9 %
Agrisano
HMO model
CHF 306.45
CHF 424.45
+5.6 %
CONCORDIA
HMO model
CHF 307.65
CHF 435.95
+10.6 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,324 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 1,770 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Young adults (19 to 25)
Cheapest basic health insurance for Young adults (19 to 25) in the premium region St. Gallen 3 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Agrisano
Other saver models
CHF 177.65
CHF 288.05
+6.0 %
CSS
Family doctor model
CHF 178.95
CHF 307.25
−13.3 %
Sanitas
Family doctor model
CHF 190.20
CHF 318.50
+7.7 %
Sanitas
Other saver models
CHF 190.35
CHF 318.65
+7.8 %
Agrisano
HMO model
CHF 190.45
CHF 308.45
+6.6 %
Sanitas
HMO model
CHF 193.65
CHF 321.95
+9.6 %
Assura
Family doctor model
CHF 195.05
CHF 303.95
+2.4 %
ÖKK
Family doctor model
CHF 198.05
CHF 326.35
+10.0 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,325 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 1,770 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Children (up to 18)
Cheapest basic health insurance for Children (up to 18) in the premium region St. Gallen 3 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 600
Deductible 0
vs. 2025
Rhenusana
Other saver models
CHF 19.25
CHF 33.25
+13.0 %
Agrisano
Other saver models
CHF 19.45
CHF 35.05
+3.8 %
Agrisano
HMO model
CHF 19.65
CHF 37.85
+3.8 %
Rhenusana
Family doctor model
CHF 20.95
CHF 33.75
+12.5 %
Agrisano
Standard (free choice of doctor)
CHF 21.45
CHF 41.55
+3.9 %
SWICA
HMO model
CHF 22.25
CHF 43.65
+3.8 %
SWICA
Family doctor model
CHF 22.25
CHF 41.75
+3.8 %
SWICA
Other saver models
CHF 22.25
CHF 45.75
+3.8 %
The lower premium at the 600 deductible is not a saving but a trade: you pay CHF 168 less in premiums a year, and carry up to CHF 600 more of your own treatment costs. The switch turns at roughly CHF 190 of treatment costs a year – below that the 600 deductible is cheaper, above it the 0. Work it out with your own costs
Which places belong to premium region St. Gallen 3? (23 municipalities, 116,692 residents)
The tables above show the cheapest offers for your region. What you pay today is on your policy – and at identical legal cover, the difference is pure price.
Children are insured cheaply – from CHF 19.25 a month. That ends on 1 January following the 18th birthday: the same person then counts as a young adult and pays at least CHF 177.65, roughly 9.2 times as much and CHF 1,901 more a year. The jump comes with the change of age group, not with the birthday itself.
No compulsory deductible. For children the deductible is voluntary and the lowest tier is zero. Because the break-even point is low, zero is the cheaper choice for most children.
Half the co-payment cap. Above the deductible children pay at most CHF 350 a year themselves, against CHF 700 for adults. If several children of one family are insured with the same insurer, together they pay at most the cost-sharing of one adult – so at most CHF 300 deductible and CHF 700 co-payment (Art. 64 para. 4 KVG). With different insurers this cap does not apply.
Premium reductions for children are mandatory. Cantons must reduce the premiums of children in lower and middle income households by at least 80%, and those of young adults in education by at least 50% (Art. 65 para. 1bis KVG). You apply to your canton of residence, not to the insurer.
Register before the birth. Registering a child only after birth risks rejection or a lifelong exclusion in supplementary insurance. It does not affect basic insurance – there, insurers must accept every applicant.
Why is the premium not the same everywhere in St. Gallen?
Premiums are not approved per canton but per premium region. St. Gallen is divided into 3 of them, because health costs differ noticeably between areas. What counts is your political municipality, not the postcode alone – moving to the next municipality can change your premium, moving within the region cannot.
By when must I cancel to switch for 2026?
Basic insurance runs to the end of the calendar year with one month's notice. To switch for the 2026 premium year you therefore had to 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.
The cancellation only takes effect once the new insurer confirms cover, so never cancel before you have that confirmation. Supplementary insurance has its own, usually earlier deadlines – by the end of November it is normally too late for those.
There is a second date almost nobody uses: if you have the ordinary CHF 300 deductible and free choice of doctor, you may also switch at the end of June, with three months' notice – so by the end of March (Art. 7 KVG). With a saver model or a higher deductible that route is closed and the year end is your only option.
