Health insurance in the canton of Appenzell Ausserrhoden: 2027 premiums compared

Calculate 2027 premiums in the canton of Appenzell Ausserrhoden

Choose your place of residence – the comparison starts right away, no contact details needed.

According to the FOPH, the average health insurance premium in the canton of Appenzell Ausserrhoden rises by 4.0% in 2027 to CHF 354.30 a month (adults aged 26 and over: CHF 422.30, +4.0%).

Average monthly premium 2027 in the canton of Appenzell Ausserrhoden according to the FOPH
Age groupAverage premium 2027Change vs. 2026
All insured personsCHF 354.30+4.0%
Adults (26 and over)CHF 422.30+4.0%
Young adults (19 to 25)CHF 289.00+3.7%
Children (up to 18)CHF 110.20+3.8%

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 Appenzell Ausserrhoden: 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 Herisau

In our comparison, the cheapest basic insurance in the canton of Appenzell Ausserrhoden costs CHF 464.45 a month in 2027; the average across 23 tariffs compared is CHF 511.65 (adult born 1990, CHF 300 deductible, with accident cover, premium region Herisau).

Cheapest premium (CHF 300 deductible)
CHF 464.45
Average (CHF 300 deductible)
CHF 511.65
Cheapest premium (CHF 2,500 deductible)
CHF 336.05
Tariffs compared
23
Change compared with 2026:
  • Cheapest premium: +CHF 15.00 (+3.3%)
  • Average: +CHF 18.00 (+3.6%)
  • Cheapest premium with CHF 2,500 deductible: +CHF 14.90 (+4.6%)

Appenzell Ausserrhoden has around 55,000 residents in 20 municipalities and forms a single premium region for basic insurance — the same tariff area applies from Herisau to Heiden. The canton is rural and hilly: primary care rests heavily on family-doctor practices, while many residents head to nearby St. Gallen for specialised hospital treatment.

The cheapest tariffs in our comparison (canton of Appenzell Ausserrhoden)

SWICA
Favorit Bestcare
HMO
CHF 464.45
new to the list
SWICA
Favorit Multichoice
Telmed / other
CHF 464.45
new to the list
SWICA
Favorit Santé
HMO
CHF 464.45
new to the list
CONCORDIA
HMO
HMO
CHF 469.65
+CHF 18.60 (+4.1%)
CONCORDIA
smartDoc
Telmed / other
CHF 472.35
+CHF 21.30 (+4.7%)

Adult (born 1990), CHF 300 deductible, with accident cover, premium region Herisau — 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 whether you are insured in Ausserrhoden?

In Appenzell Ausserrhoden, by law, your municipality makes sure that everyone is insured; anyone who does not take out insurance in time is assigned to a health insurer. Anyone who moves to the canton submits proof of insurance to their municipality of residence within three months, as do the parents of a newborn. The Gemeinsame Einrichtung KVG (Common Institution under the KVG) decides on applications for exemption.

Sources: Kanton Appenzell Ausserrhoden: Einführungsgesetz zum KVG (bGS 833.14) · Gemeinsame Einrichtung KVG: Versicherungspflicht Ausserrhoden

Treatment at the Kantonsspital St. Gallen: what does basic insurance pay?

Since 2023, Appenzell Ausserrhoden has planned its hospitals jointly with Appenzell Innerrhoden and St. Gallen. Besides the Spital Herisau, the Ausserrhoden hospital list for acute somatic care also includes the Kantonsspital St. Gallen (the cantonal hospital of St. Gallen) and other St. Gallen hospitals. For services for which a hospital is on this list, the stay is reimbursed in full; you pay the deductible, the co-payment and the contribution to hospital costs as usual. If you choose, for a planned procedure, a hospital that is only on another canton's list, payment is made only up to the Ausserrhoden reference tariff; you or your supplementary insurance bear the rest.

Sources: Kanton Appenzell Ausserrhoden: Spitalliste · Kanton Appenzell Ausserrhoden: Spitalliste Akut 2024.4 (ab 1.7.2026) · Kanton Appenzell Ausserrhoden: Spitalliste Akut 2024.3 (bis 30.6.2026) · Fedlex: Bundesgesetz über die Krankenversicherung (KVG) · BAG: Kostenbeteiligung für in der Schweiz wohnhafte Versicherte · Kanton Appenzell Ausserrhoden: Ausserkantonale Hospitalisationen

How much could you save?

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

Calculate premiums in the canton of Appenzell Ausserrhoden →

Frequently asked questions — health insurance in the canton of Appenzell Ausserrhoden

How much do premiums rise in 2027 in the canton of Appenzell Ausserrhoden?▼
According to the Federal Office of Public Health (FOPH), the average monthly premium in the canton of Appenzell Ausserrhoden rises by 4.0% in 2027 to CHF 354.30 (2026: CHF 340.70). For adults aged 26 and over it is CHF 422.30 (+4.0%), for young adults aged 19 to 25 CHF 289.00 (+3.7%) and for children up to 18 CHF 110.20 (+3.8%). 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 Appenzell Ausserrhoden in 2027?▼
In our comparison, basic insurance for adults starts at CHF 336.05 per month (CHF 2,500 deductible, with accident cover, premium region Herisau). 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 Appenzell Ausserrhoden pay attention to?▼
In rural Ausserrhoden, the family-doctor model is often the most natural way to save — check that your GP is on the doctor list of the insurer you are considering. Many specialised treatments take place in St. Gallen; telemedicine models work regardless of where you live and are easy to use even in the Vorderland and Hinterland municipalities.
How do I switch health insurer in Appenzell Ausserrhoden?▼
Your written cancellation of basic insurance must reach your current insurer by Monday, 30 November 2026 at the latest. The contract then ends on 31 December and the new policy starts on 1 January. No health check is required — every insurer that operates in Ausserrhoden must accept you unconditionally.

Sources

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

All health insurers and cantons

With your consent, we use cookies from Google: for pseudonymous usage statistics (Google Analytics) and to measure whether our ads lead to applications (Google Ads). If you submit an application, Google receives your email address and phone number for this purpose as a hash value. If you decline, Google sets no cookies and only receives measurement signals without cookies; the website keeps working without any restrictions. Learn more