The cheapest compulsory basic insurance for adults in Ticino costs CHF 423.45 a month in 2026 at Agrisano – CHF 2,500 deductible, Other saver models, in the premium region Ticino 2. Compared with 2025 insurers here changed their premiums by +8.2 %.
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 Ticino 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 Ticino the cheapest offer differs by up to CHF 540 a year depending on where you live – for identical cover.
What does health insurance cost in premium region Ticino 1 in 2026?
In premium region 1 of the canton of Ticino – which covers Lugano, Bellinzona, Locarno – the cheapest compulsory basic health insurance for adults with a CHF 2,500 deductible costs CHF 468.45 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 CSS (22.3% of the insured). Its cheapest offer costs CHF 487.75 a month – CHF 232 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 Ticino 1 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 468.45
CHF 578.75
+10.7 %
KPT
HMO model
CHF 479.85
CHF 608.15
+10.1 %
KPT
Other saver models
CHF 479.85
CHF 608.15
+4.7 %
CONCORDIA
HMO model
CHF 479.95
CHF 608.25
+8.0 %
Aquilana
Other saver models
CHF 481.65
CHF 601.85
+6.8 %
sana24
HMO model
CHF 484.05
CHF 588.65
+3.6 %
Assura
Family doctor model
CHF 484.35
CHF 612.65
+14.3 %
CSS
Family doctor model
CHF 487.75
CHF 616.05
+3.0 %
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 Ticino 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 301.45
CHF 429.75
−6.2 %
Sanitas
Family doctor model
CHF 305.90
CHF 434.20
+10.5 %
Sanitas
Other saver models
CHF 305.95
CHF 434.25
+10.6 %
Sanitas
HMO model
CHF 310.55
CHF 438.85
+12.2 %
Agrisano
Other saver models
CHF 310.85
CHF 421.15
+11.7 %
Sanitas
Standard (free choice of doctor)
CHF 324.25
CHF 452.55
+10.4 %
EGK
Other saver models
CHF 325.25
CHF 453.55
+8.2 %
Aquilana
Other saver models
CHF 326.65
CHF 444.15
+7.6 %
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 Ticino 1 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 600
Deductible 0
vs. 2025
Agrisano
Other saver models
CHF 30.65
CHF 53.25
+7.5 %
Agrisano
HMO model
CHF 30.85
CHF 57.35
+7.5 %
GALENOS
HMO model
CHF 32.25
CHF 56.15
−3.1 %
GALENOS
Family doctor model
CHF 32.25
CHF 57.55
−3.1 %
GALENOS
Other saver models
CHF 32.25
CHF 56.15
no prior-year figure
Agrisano
Standard (free choice of doctor)
CHF 33.55
CHF 62.75
+7.5 %
sana24
HMO model
CHF 34.95
CHF 55.15
+7.5 %
GALENOS
Standard (free choice of doctor)
CHF 35.35
CHF 64.45
+4.9 %
The lower premium at the 600 deductible is not a saving but a trade: you pay CHF 271 less in premiums a year, and carry up to CHF 600 more of your own treatment costs. The switch turns at roughly CHF 300 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 Ticino 1? (74 municipalities, 306,842 residents)
What does health insurance cost in premium region Ticino 2 in 2026?
In premium region 2 of the canton of Ticino – which covers Biasca, Gordola, Riviera – the cheapest compulsory basic health insurance for adults with a CHF 2,500 deductible costs CHF 423.45 per month in 2026, offered by Agrisano (Other saver models). Source: Swiss Federal Office of Public Health (FOPH), as of 05.08.2026.
Adults (26 and over)
Cheapest basic health insurance for Adults (26 and over) in the premium region Ticino 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 423.45
CHF 533.85
+10.9 %
Helsana
Family doctor model
CHF 432.35
CHF 560.65
+7.2 %
KPT
Other saver models
CHF 432.45
CHF 560.75
+6.2 %
CONCORDIA
HMO model
CHF 438.15
CHF 566.45
+8.2 %
sana24
HMO model
CHF 438.35
CHF 555.45
+1.1 %
Helsana
Other saver models
CHF 438.95
CHF 567.25
+10.4 %
ÖKK
HMO model
CHF 440.75
CHF 569.05
+9.6 %
Atupri
HMO model
CHF 443.25
CHF 571.55
+9.2 %
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
Young adults (19 to 25)
Cheapest basic health insurance for Young adults (19 to 25) in the premium region Ticino 2 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 269.05
CHF 397.35
−13.3 %
Sanitas
Family doctor model
CHF 273.95
CHF 402.25
+7.6 %
Sanitas
Other saver models
CHF 274.05
CHF 402.35
+7.7 %
Agrisano
Other saver models
CHF 277.95
CHF 388.25
+12.0 %
Sanitas
HMO model
CHF 278.25
CHF 406.55
+9.3 %
ÖKK
HMO model
CHF 282.85
CHF 411.15
+16.9 %
Sanitas
Standard (free choice of doctor)
CHF 290.95
CHF 419.25
+7.5 %
CONCORDIA
HMO model
CHF 295.25
CHF 423.55
+9.1 %
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
Children (up to 18)
Cheapest basic health insurance for Children (up to 18) in the premium region Ticino 2 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 600
Deductible 0
vs. 2025
Agrisano
Other saver models
CHF 27.85
CHF 48.75
+7.5 %
Agrisano
HMO model
CHF 28.15
CHF 52.55
+7.8 %
GALENOS
HMO model
CHF 30.25
CHF 52.75
−1.7 %
GALENOS
Family doctor model
CHF 30.25
CHF 54.05
−1.7 %
GALENOS
Other saver models
CHF 30.25
CHF 52.75
no prior-year figure
Agrisano
Standard (free choice of doctor)
CHF 30.55
CHF 57.55
+7.5 %
sana24
HMO model
CHF 32.75
CHF 51.85
+7.7 %
GALENOS
Standard (free choice of doctor)
CHF 33.15
CHF 60.65
+6.4 %
The lower premium at the 600 deductible is not a saving but a trade: you pay CHF 251 less in premiums a year, and carry up to CHF 600 more of your own treatment costs. The switch turns at roughly CHF 280 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 Ticino 2? (32 municipalities, 45,339 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 27.85 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 269.05, roughly 9.7 times as much and CHF 2,894 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 Ticino?
Premiums are not approved per canton but per premium region. Ticino is divided into 2 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.
