Health insurance in the canton of Aargau: 2027 premiums compared

Calculate 2027 premiums in the canton of Aargau

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According to the FOPH, the average health insurance premium in the canton of Aargau rises by 5.6% in 2027 to CHF 390.50 a month (adults aged 26 and over: CHF 464.70, +5.6%).

Average monthly premium 2027 in the canton of Aargau according to the FOPH
Age groupAverage premium 2027Change vs. 2026
All insured personsCHF 390.50+5.6%
Adults (26 and over)CHF 464.70+5.6%
Young adults (19 to 25)CHF 315.90+4.8%
Children (up to 18)CHF 121.30+5.4%

Source: FOPH, average premiums by canton 2027 across all age groups and by age group (PDFs in German, French and Italian), published on . Averages over all insured persons in the canton or in the age group concerned, including optional deductibles and models, rounded.

2027 health insurance premiums in the canton of Aargau: our comparison

A different measure from the FOPH average, which covers all age groups, deductibles and models: these are concrete tariffs of the health insurers in our comparison for one reference profile with a CHF 300 or CHF 2,500 deductible (stated with each figure).

Basic insurance premiums according to the FOPH, less the redistribution of environmental levies — premium region Aarau

In our comparison, the cheapest basic insurance in the canton of Aargau costs CHF 495.15 a month in 2027; the average across 23 tariffs compared is CHF 554.20 (adult born 1990, CHF 300 deductible, with accident cover, premium region Aarau).

Cheapest premium (CHF 300 deductible)
CHF 495.15
Average (CHF 300 deductible)
CHF 554.20
Cheapest premium (CHF 2,500 deductible)
CHF 366.85
Tariffs compared
23
Change compared with 2026:
  • Cheapest premium: +CHF 19.60 (+4.1%)
  • Average: +CHF 29.85 (+5.7%)
  • Cheapest premium with CHF 2,500 deductible: +CHF 19.60 (+5.6%)

With over 700,000 residents, Aargau is Switzerland's fourth-largest canton and forms a single premium region for basic insurance: whether you live in Aarau, Baden or a rural municipality in the Freiamt or Fricktal makes no difference to your premium. That makes your choice of insurer, deductible and insurance model all the more decisive — especially in this densely populated Mittelland canton between Zurich and Basel with its many commuters.

The cheapest tariffs in our comparison (canton of Aargau)

CONCORDIA
HMO
HMO
CHF 495.15
+CHF 19.60 (+4.1%)
CONCORDIA
smartDoc
Telmed / other
CHF 503.95
+CHF 22.70 (+4.7%)
CONCORDIA
MyDoc
Family doctor model
CHF 515.55
+CHF 20.30 (+4.1%)
SWICA
Favorit Start
Telmed / other
CHF 523.85
new to the list
SWICA
Favorit Santé
HMO
CHF 527.05
new to the list

Adult (born 1990), CHF 300 deductible, with accident cover, premium region Aarau — FOPH premiums 2027, less the redistribution of environmental levies · 12.11.2026

Health insurers that are not in our comparison are also missing from the figures on this page.

Premiums for all 26 cantons in one table →

Who checks in Aargau whether you are insured?

Your municipality of residence does: it checks the obligation to be insured and assigns people who do not take out insurance in time to a health insurer. Applications for exemption are decided, on behalf of the canton, by the Common Institution under the KVG (Gemeinsame Einrichtung KVG) in Olten. Submit the application within three months of taking up residence in Switzerland.

Sources: Kanton Aargau: Krankenversicherungspflicht in der Schweiz · Gemeinsame Einrichtung KVG: Versicherungspflicht Aargau · BAG: Zuständige kantonale Stellen für Gesuche um Befreiung

Hospital in Basel, Zurich or Lucerne: what does basic insurance pay?

For certain treatments, the Aargau hospital list also includes hospitals outside the canton, such as the university hospitals of Basel and Zurich or the Lucerne cantonal hospital in Sursee. In a listed hospital of your canton of residence, you have no additional costs. If you choose, without an emergency or a medical reason, a hospital that is only on the list of the canton where it is located, the insurer and the canton pay at most the tariff of an Aargau listed hospital. You or your supplementary insurance pay the difference.

Sources: Kanton Aargau: Spitalliste 2025 Akutsomatik (Stand 1. November 2026) · Kanton Aargau: Spitallisten · BAG: Krankenversicherung: Spitalbehandlung · Fedlex: Bundesgesetz über die Krankenversicherung (KVG), Art. 41

Unpaid premiums in Aargau: what applies?

Aargau keeps a list of insured persons in arrears; the municipality of residence decides whether a person facing debt collection goes on it. The cantonal guideline names reasons against an entry, such as debts you will soon pay off, a serious chronic illness or a pregnancy; you prove these in writing or with a medical certificate. For people on the list, insurers defer covering costs, except in emergencies. If you have not paid the premiums you received a reminder for by the end of the notice period, you cannot switch insurer.

Sources: Kanton Aargau: Krankenversicherungspflicht in der Schweiz · Kanton Aargau: Leitfaden zur Liste der säumigen Versicherten · Fedlex: Bundesgesetz über die Krankenversicherung (KVG), Art. 64a · Fedlex: Verordnung über die Krankenversicherung (KVV), Art. 105l

How much could you save?

Calculate your personal premium in two minutes — Aarau is already pre-filled as the place of residence and can be changed. Free and without obligation.

Calculate premiums in the canton of Aargau →

Frequently asked questions — health insurance in the canton of Aargau

How much do premiums rise in 2027 in the canton of Aargau?▼
According to the Federal Office of Public Health (FOPH), the average monthly premium in the canton of Aargau rises by 5.6% in 2027 to CHF 390.50 (2026: CHF 369.80). For adults aged 26 and over it is CHF 464.70 (+5.6%), for young adults aged 19 to 25 CHF 315.90 (+4.8%) and for children up to 18 CHF 121.30 (+5.4%). These are averages over all insured persons in the canton, including optional deductibles and models (FOPH, 29.09.2026). Your own premium depends on your premium region, age, insurer, deductible and model.
Which health insurer is cheapest in the canton of Aargau in 2027?▼
In our comparison, basic insurance for adults starts at CHF 366.85 per month (CHF 2,500 deductible, with accident cover, premium region Aarau). The cheapest tariffs with a CHF 300 deductible are further up this page. Our comparison does not show all health insurers; all premiums are available from the FOPH at priminfo.admin.ch.
What should insured persons in Aargau pay attention to?▼
Since the premium is the same across the canton, comparing insurers and choosing an alternative insurance model pays off most: HMO group practices are concentrated in Aarau, Baden and the agglomeration, while family-doctor and telemedicine models are available throughout the canton. If you rarely need medical care, a higher deductible can bring additional savings.
How do I switch health insurer in the canton of Aargau?▼
Cancel your basic insurance in writing by Monday, 30 November 2026 at the latest; the letter must reach your current insurer by that date. The old policy ends on 31 December and the new one starts on 1 January. There is no health check in basic insurance — every insurer that operates in Aargau must accept you unconditionally.

Sources

Official data behind the figures on this page (external links).

All health insurers and cantons

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