Health insurance in the canton of Lucerne: 2027 premiums compared

Calculate 2027 premiums in the canton of Lucerne

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According to the FOPH, the average health insurance premium in the canton of Lucerne rises by 4.4% in 2027 to CHF 354.30 a month (adults aged 26 and over: CHF 422.20, +4.5%).

Average monthly premium 2027 in the canton of Lucerne according to the FOPH
Age groupAverage premium 2027Change vs. 2026
All insured personsCHF 354.30+4.4%
Adults (26 and over)CHF 422.20+4.5%
Young adults (19 to 25)CHF 284.50+3.9%
Children (up to 18)CHF 109.10+4.4%

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 Lucerne: 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 Lucerne

In our comparison, the cheapest basic insurance in the canton of Lucerne costs CHF 481.95 a month in 2027; the average across 22 tariffs compared is CHF 535.05 (adult born 1990, CHF 300 deductible, with accident cover, premium region Lucerne).

Cheapest premium (CHF 300 deductible)
CHF 481.95
Average (CHF 300 deductible)
CHF 535.05
Cheapest premium (CHF 2,500 deductible)
CHF 353.65
Tariffs compared
22
Change compared with 2026:
  • Cheapest premium: +CHF 21.60 (+4.7%)
  • Average: +CHF 17.74 (+3.4%)
  • Cheapest premium with CHF 2,500 deductible: +CHF 21.60 (+6.5%)

Lucerne is the hub of central Switzerland and, like Zurich, Bern, St. Gallen and Grisons, is divided into three premium regions: the city of Lucerne, Ebikon, Kriens, Emmen and Horw are in region 1 with the highest premiums, places such as Sursee in region 2, Willisau and municipalities in the Entlebuch such as Schüpfheim in region 3. The Lucerne cantonal hospital ensures care across the canton with several sites.

The cheapest tariffs in our comparison (canton of Lucerne)

CONCORDIA
HMO
HMO
CHF 481.95
+CHF 11.10 (+2.4%)
Sympany
casamed hmo
HMO
CHF 484.25
+CHF 23.90 (+5.2%)
Sympany
flexhelp24
Telmed / other
CHF 492.65
new to the list
SWICA
Favorit Santé
HMO
CHF 493.15
new to the list
CONCORDIA
smartDoc
Telmed / other
CHF 493.35
new to the list

Adult (born 1990), CHF 300 deductible, with accident cover, premium region Lucerne — 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 →

Which premium region is your municipality in?

Region 1 comprises the city of Lucerne as well as Ebikon, Emmen, Horw and Kriens. Region 2 includes Sempach, Rothenburg, Root, Meggen, Adligenswil, Malters, Ruswil and Wolhusen, among others. All other municipalities form region 3, for example Hochdorf, Hitzkirch, Beromünster, Triengen, Dagmersellen and Weggis. What counts is the municipality of residence, not the postcode.

Sources: EDI: Verordnung über die Prämienregionen, Anhang 1 (AS 2026 483) · FOPH: Health insurance: Premium regions

Who checks in the canton of Lucerne whether you are insured?

In the canton of Lucerne, WAS Ausgleichskasse Luzern (the cantonal compensation office) implements the obligation to be insured on behalf of the canton. Anyone who does not take out insurance despite a reminder is assigned to an insurer ex officio. You send exemption applications to WAS Ausgleichskasse Luzern in Kriens using the contact form or by post. Your foreign insurance must confirm in writing that it covers the benefits of basic insurance without restriction.

Sources: WAS Luzern: Obligatorische Krankenversicherung

What applies in Lucerne if premiums are unpaid?

If premiums, cost-sharing amounts, default interest or debt collection costs for which you have received a reminder are not paid in full by the end of the notice period, you cannot switch insurer. Arrears that concern only your children do not prevent you from switching yourself. The canton repealed the legal basis for the Lucerne list of people in arrears with their premiums with effect from 1 January 2026.

Sources: Fedlex: Bundesgesetz über die Krankenversicherung (KVG) · Fedlex: Verordnung über die Krankenversicherung (KVV) · Kanton Luzern: Änderung des EGKVG vom 8. September 2025 · Kanton Luzern: EGKVG (SRL 865), Fassung bis 31.12.2025

How much could you save?

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

Calculate premiums in the canton of Lucerne →

Frequently asked questions — health insurance in the canton of Lucerne

How much do premiums rise in 2027 in the canton of Lucerne?▼
According to the Federal Office of Public Health (FOPH), the average monthly premium in the canton of Lucerne rises by 4.4% in 2027 to CHF 354.30 (2026: CHF 339.20). For adults aged 26 and over it is CHF 422.20 (+4.5%), for young adults aged 19 to 25 CHF 284.50 (+3.9%) and for children up to 18 CHF 109.10 (+4.4%). 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 Lucerne in 2027?▼
In our comparison, basic insurance for adults starts at CHF 353.65 per month (CHF 2,500 deductible, with accident cover, premium region Lucerne). 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 the canton of Lucerne pay attention to?▼
Whenever you move — for example from Kriens to the countryside — check your new premium region, as the differences within the canton are noticeable. HMO and group practices are readily available in the city of Lucerne and its agglomeration, while in the Entlebuch and smaller rural municipalities family-doctor and telemedicine models are usually the more practical ways to save.
How do I switch health insurer in the canton of Lucerne?▼
Cancel your basic insurance in writing by Monday, 30 November 2026 at the latest; the letter must reach your current insurer by then. The old contract ends on 31 December and the new policy starts on 1 January. There is no health check — every insurer that operates in the canton of Lucerne must accept you, whether you live in the city of Lucerne or the Entlebuch.

Sources

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

All health insurers and cantons

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