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

Calculate 2027 premiums in the canton of Appenzell Innerrhoden

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According to the FOPH, the average health insurance premium in the canton of Appenzell Innerrhoden rises by 5.9% in 2027 to CHF 285.50 a month (adults aged 26 and over: CHF 340.50, +5.9%).

Average monthly premium 2027 in the canton of Appenzell Innerrhoden according to the FOPH
Age groupAverage premium 2027Change vs. 2026
All insured personsCHF 285.50+5.9%
Adults (26 and over)CHF 340.50+5.9%
Young adults (19 to 25)CHF 225.80+5.8%
Children (up to 18)CHF 92.20+6.2%

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 Innerrhoden: 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 Appenzell

In our comparison, the cheapest basic insurance in the canton of Appenzell Innerrhoden costs CHF 398.75 a month in 2027; the average across 22 tariffs compared is CHF 425.11 (adult born 1990, CHF 300 deductible, with accident cover, premium region Appenzell).

Cheapest premium (CHF 300 deductible)
CHF 398.75
Average (CHF 300 deductible)
CHF 425.11
Cheapest premium (CHF 2,500 deductible)
CHF 270.45
Tariffs compared
22
Change compared with 2026:
  • Cheapest premium: +CHF 43.50 (+12.2%)
  • Average: +CHF 27.09 (+6.8%)
  • Cheapest premium with CHF 2,500 deductible: +CHF 43.50 (+19.2%)

Appenzell Innerrhoden is Switzerland's smallest canton by population and, thanks to below-average health costs, has ranked among the lowest-premium cantons for years. The entire canton forms a single premium region for basic insurance; politically it is divided not into municipalities but into five districts around the capital, Appenzell.

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

CONCORDIA
HMO
HMO
CHF 398.75
+CHF 25.90 (+6.9%)
SWICA
Favorit Casa
Family doctor model
CHF 402.45
new to the list
CONCORDIA
smartDoc
Telmed / other
CHF 405.75
new to the list
Sympany
callmed 24
Telmed / other
CHF 406.35
new to the list
Sympany
casamed hmo
HMO
CHF 406.35
+CHF 51.10 (+14.4%)

Adult (born 1990), CHF 300 deductible, with accident cover, premium region Appenzell — FOPH premiums 2027, less the redistribution of environmental levies · 13.11.2026

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 →

New to Appenzell Innerrhoden: who checks your health insurance?

Responsibility lies with the cantonal Gesundheitsamt (health office) in Appenzell, together with the residents' registration offices (Einwohnerkontrolle) of Appenzell and Oberegg. After moving here, send your proof of insurance to the residents' registration office without delay. If it is missing, the Gesundheitsamt assigns you to a health insurer no later than three months after your obligation to be insured begins, at your expense. You submit an application for exemption to the Gesundheitsamt before or immediately after entering Switzerland.

Sources: Kanton Appenzell I.Rh.: Merkblatt für Zuziehende (Stand 05.02.2026) · Kanton Appenzell I.Rh.: Krankenversicherungspflicht · BAG: Zuständige kantonale Stellen für Gesuche um Befreiung

Hospital in St. Gallen or Herisau: what does basic insurance pay?

Appenzell Innerrhoden, Appenzell Ausserrhoden and St. Gallen have had the same hospital list for acute hospital treatment since 1 April 2024. It includes, for example, the Cantonal Hospital of St. Gallen and Herisau Hospital; 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 another canton's list, the insurer and the canton pay at most the Innerrhoden reference tariff. You or your supplementary insurance pay the rest.

Sources: Kanton Appenzell I.Rh.: Akutsomatik, Spitalplanung ARAISG · Kanton Appenzell I.Rh.: Spitalliste Akutsomatik ARAISG 2024.4 · BAG: Krankenversicherung: Spitalbehandlung · Kanton Appenzell I.Rh.: Spitallisten und Spitalfinanzierung

How much could you save?

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

Calculate premiums in the canton of Appenzell Innerrhoden →

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

How much do premiums rise in 2027 in the canton of Appenzell Innerrhoden?▼
According to the Federal Office of Public Health (FOPH), the average monthly premium in the canton of Appenzell Innerrhoden rises by 5.9% in 2027 to CHF 285.50 (2026: CHF 269.50). For adults aged 26 and over it is CHF 340.50 (+5.9%), for young adults aged 19 to 25 CHF 225.80 (+5.8%) and for children up to 18 CHF 92.20 (+6.2%). 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 Innerrhoden in 2027?▼
In our comparison, basic insurance for adults starts at CHF 270.45 per month (CHF 2,500 deductible, with accident cover, premium region Appenzell). 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 Innerrhoden pay attention to?▼
Even in a traditionally low-cost canton, the differences between insurers remain considerable — an annual comparison is worthwhile. The family-doctor model fits Innerrhoden's close-knit care structure well; if you choose, for specialised procedures, a hospital that is not on the Innerrhoden hospital list, consider supplementary hospital insurance for any additional costs.
How do I switch health insurer in Appenzell Innerrhoden?▼
Cancel your basic insurance in writing so that the letter reaches your current insurer by Monday, 30 November 2026 at the latest. The switch takes effect on 31 December and the new policy starts on 1 January. There is no health check — every insurer that operates in Innerrhoden must accept you.

Sources

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

All health insurers and cantons

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