Health insurance premium calculator 2027
Basic health insurance premiums rise by about 5% on average in 2027 (FOPH). What you pay depends on where you live (premium region), your age, deductible, insurance model and insurer, and the differences are large. Choose your location: you see every FOPH-approved premium in your region, the cheapest offers and the change from 2026.
Your location is only used to find your commune and is not stored.
All premiums are the compulsory health insurance premiums approved by the FOPH for 2027 (Prämien_CH.csv, opendata.swiss). Premium subsidies and discounts are not included; the insurer’s offer is binding.
Lowest and average premium 2027 by canton
Adults, CHF per month: lowest legally possible premium (highest deductible, cheapest model and insurer) and average premium (FOPH), sorted by the gap.
| Canton | Lowest | Average | Gap |
|---|---|---|---|
| Geneva | 483.40 | 610.60 | 127.20 |
| Basel-Landschaft | 432.59 | 544.66 | 112.07 |
| Nidwalden | 286.75 | 397.20 | 110.45 |
| Schaffhausen | 360.50 | 470.43 | 109.93 |
| Zurich | 368.92 | 477.08 | 108.16 |
| Ticino | 499.65 | 603.66 | 104.01 |
| Schwyz | 316.20 | 418.50 | 102.30 |
| Fribourg | 363.86 | 465.48 | 101.62 |
| Aargau | 363.70 | 464.70 | 101.00 |
| Solothurn | 392.80 | 493.50 | 100.70 |
| Basel-Stadt | 470.70 | 570.60 | 99.90 |
| Appenzell Outer Rhodes | 322.40 | 422.30 | 99.90 |
| Glarus | 327.50 | 426.50 | 99.00 |
| Valais | 362.40 | 460.73 | 98.33 |
| Zug | 227.50 | 324.90 | 97.40 |
| Thurgau | 336.50 | 433.20 | 96.70 |
| Vaud | 447.86 | 543.50 | 95.64 |
| Uri | 282.30 | 377.70 | 95.40 |
| Jura | 456.00 | 551.00 | 95.00 |
| Neuchâtel | 465.40 | 558.80 | 93.40 |
| Bern | 401.26 | 494.42 | 93.16 |
| Appenzell Inner Rhodes | 248.40 | 340.50 | 92.10 |
| Lucerne | 330.59 | 422.18 | 91.59 |
| St. Gallen | 336.03 | 427.48 | 91.45 |
| Grisons | 324.91 | 415.76 | 90.85 |
| Obwalden | 299.00 | 386.70 | 87.70 |
Full ranking and standard model →
Every insurer by premium region →
Premium history since 2010 →
Premium subsidies: who gets them and where to apply →
Frequently asked questions
How much do premiums rise in 2027?
According to the FOPH, the average premium rises by 5.0% in 2027 to CHF 412 a month; for adults by 4.9% to CHF 487.60, for young adults by 4.8% to CHF 338.80 and for children by 4.6% to CHF 128.10.
Until when can I switch health insurer?
You can switch your basic insurance every year until 30 November for the following year. Basic insurance benefits are the same at every insurer.
What is the lowest possible premium?
The cheapest FOPH-approved premium in your premium region across all insurers, models and deductibles, usually with the highest deductible (CHF 2’500 for adults) and a model with restricted choice of doctor. A higher deductible lowers the premium but raises your own costs when you need care.
Why does my commune count, not my postcode?
Your premium depends on the premium region of the commune you live in (BFS number). A postcode can cover several communes, so the calculator first determines the commune.
Source: BAG / FOPH, opendata.swiss · priminfo.admin.ch · SLI-2026-10-03.32
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