Health insurance in the canton of Neuchâtel: 2027 premiums compared

Calculate 2027 premiums in the canton of Neuchâtel

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According to the FOPH, the average health insurance premium in the canton of Neuchâtel rises by 5.4% in 2027 to CHF 468.90 a month (adults aged 26 and over: CHF 558.80, +5.3%).

Average monthly premium 2027 in the canton of Neuchâtel according to the FOPH
Age groupAverage premium 2027Change vs. 2026
All insured personsCHF 468.90+5.4%
Adults (26 and over)CHF 558.80+5.3%
Young adults (19 to 25)CHF 377.60+4.5%
Children (up to 18)CHF 140.80+4.5%

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 Neuchâtel: 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 Neuchâtel

In our comparison, the cheapest basic insurance in the canton of Neuchâtel costs CHF 595.35 a month in 2027; the average across 22 tariffs compared is CHF 679.63 (adult born 1990, CHF 300 deductible, with accident cover, premium region Neuchâtel).

Cheapest premium (CHF 300 deductible)
CHF 595.35
Average (CHF 300 deductible)
CHF 679.63
Cheapest premium (CHF 2,500 deductible)
CHF 467.05
Tariffs compared
22
Change compared with 2026:
  • Cheapest premium: +CHF 38.30 (+6.9%)
  • Average: +CHF 23.13 (+3.5%)
  • Cheapest premium with CHF 2,500 deductible: +CHF 38.30 (+8.9%)

Neuchâtel is a French-speaking canton in the Jura arc with two centres — Neuchâtel and La Chaux-de-Fonds, the cradle of the Swiss watchmaking industry. The entire canton forms a single premium region for basic insurance: whether you live by the lake or in the mountains makes no difference to your premium. Premium levels are traditionally among the higher ones in French-speaking Switzerland, so choosing the right insurer and model offers real savings; hospital care is provided by the cantonal RHNe network.

The cheapest tariffs in our comparison (canton of Neuchâtel)

SWICA
Favorit Santé
HMO
CHF 595.35
new to the list
CONCORDIA
HMO
HMO
CHF 610.15
+CHF 6.40 (+1.1%)
SWICA
Favorit Medpharm
Telmed / other
CHF 610.15
new to the list
SWICA
Favorit Multichoice
Telmed / other
CHF 610.15
new to the list
CONCORDIA
smartDoc
Telmed / other
CHF 613.75
+CHF 10.00 (+1.7%)

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

New to the canton of Neuchâtel: what does the OCAB require?

In the canton of Neuchâtel, the Office cantonal de l'assurance-maladie et des bourses d'études (OCAB, the cantonal office for health insurance and study grants) checks compliance with the obligation to be insured. After you take up residence or your child is born, you have three months to choose an insurer and send proof of membership to the OCAB. Within this period, cover starts retroactively from the day you took up residence or from the birth; after it, cover starts when you join and a premium surcharge may be charged. If you take no action within the three months, the OCAB enrols you ex officio.

Sources: Canton de Neuchâtel : Affiliation assurance-maladie (LAMal)

Foreign students in Neuchâtel: is an exemption possible?

For an exemption, European students present their European Health Insurance Card and a certificate of studies, internship or training. Students from outside Europe can be exempted for at most six years, with a certificate of studies and the equivalence check form. The request must reach the OCAB within three months of the start of the obligation to be insured (with a permit: from registering with the residents' registration office). If your situation changes during the exemption, ask the OCAB without delay.

Sources: Canton de Neuchâtel : Affiliation assurance-maladie (LAMal) · Fedlex : Ordonnance sur l'assurance-maladie (OAMal), RS 832.102

Cross-border commuter in Neuchâtel: how do you exercise the right of option?

If you work in Switzerland and live in Germany, Austria, France or Italy, you can take out insurance in your country of residence or with a Swiss insurer. Send proof of your foreign insurance to the OCAB within three months, otherwise it enrols you ex officio. From France, use the form “Choix du système d'assurance maladie” (choice of health insurance system).

Sources: Canton de Neuchâtel : Affiliation assurance-maladie (LAMal)

How much could you save?

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

Calculate premiums in the canton of Neuchâtel →

Frequently asked questions — health insurance in the canton of Neuchâtel

How much do premiums rise in 2027 in the canton of Neuchâtel?▼
According to the Federal Office of Public Health (FOPH), the average monthly premium in the canton of Neuchâtel rises by 5.4% in 2027 to CHF 468.90 (2026: CHF 444.90). For adults aged 26 and over it is CHF 558.80 (+5.3%), for young adults aged 19 to 25 CHF 377.60 (+4.5%) and for children up to 18 CHF 140.80 (+4.5%). 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 Neuchâtel in 2027?▼
In our comparison, basic insurance for adults starts at CHF 467.05 per month (CHF 2,500 deductible, with accident cover, premium region Neuchâtel). 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 Neuchâtel pay attention to?▼
Because premium levels in the canton are comparatively high, an annual comparison of insurers is especially worthwhile. HMO and group practices are available in Neuchâtel and La Chaux-de-Fonds, while in the mountain regions and the Val-de-Travers family-doctor and telemedicine models are usually the more practical choice. Also check which RHNe sites your model covers for treatment.
How do I switch health insurer in the canton of Neuchâtel?▼
Your written cancellation of basic insurance must reach your current insurer by Monday, 30 November 2026 at the latest. The contract ends on 31 December and the new policy starts on 1 January. There is no health check — every insurer that operates in Neuchâtel must accept you unconditionally.

Sources

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

All health insurers and cantons

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