Health insurance in the canton of St. Gallen: 2027 premiums compared

Calculate 2027 premiums in the canton of St. Gallen

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According to the FOPH, the average health insurance premium in the canton of St. Gallen rises by 5.0% in 2027 to CHF 358.40 a month (adults aged 26 and over: CHF 427.40, +5.0%).

Average monthly premium 2027 in the canton of St. Gallen according to the FOPH
Age groupAverage premium 2027Change vs. 2026
All insured personsCHF 358.40+5.0%
Adults (26 and over)CHF 427.40+5.0%
Young adults (19 to 25)CHF 291.00+5.1%
Children (up to 18)CHF 112.80+4.9%

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 St. Gallen: 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 St. Gallen

In our comparison, the cheapest basic insurance in the canton of St. Gallen costs CHF 492.35 a month in 2027; the average across 23 tariffs compared is CHF 534.57 (adult born 1990, CHF 300 deductible, with accident cover, premium region St. Gallen).

Cheapest premium (CHF 300 deductible)
CHF 492.35
Average (CHF 300 deductible)
CHF 534.57
Cheapest premium (CHF 2,500 deductible)
CHF 368.25
Tariffs compared
23
Change compared with 2026:
  • Cheapest premium: +CHF 17.80 (+3.8%)
  • Average: +CHF 19.73 (+3.8%)
  • Cheapest premium with CHF 2,500 deductible: +CHF 22.00 (+6.4%)

St. Gallen is the most populous canton of eastern Switzerland and is divided into three premium regions: St. Gallen, Gossau and Wil are in region 1, places such as Rapperswil-Jona, Rorschach and Buchs in region 2, Wattwil in the Toggenburg in region 3. The hospital landscape has been extensively restructured in recent years; several regional hospitals were closed or repurposed, while the Cantonal Hospital of St. Gallen was strengthened as the largest central hospital in eastern Switzerland.

The cheapest tariffs in our comparison (canton of St. Gallen)

SWICA
Favorit Bestcare
HMO
CHF 492.35
new to the list
CONCORDIA
HMO
HMO
CHF 496.55
+CHF 15.00 (+3.1%)
SWICA
Favorit Multichoice
Telmed / other
CHF 498.25
new to the list
SWICA
Favorit Santé
HMO
CHF 498.25
new to the list
CONCORDIA
smartDoc
Telmed / other
CHF 505.25
new to the list

Adult (born 1990), CHF 300 deductible, with accident cover, premium region St. Gallen — 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 St. Gallen municipality in?

Region 1 comprises only eight municipalities: St. Gallen, Gaiserwald, Gossau, Niederbüren, Niederhelfenschwil, Oberbüren, Wil and Zuzwil. Region 3 has 23 municipalities, including Altstätten, Widnau, Diepoldsau, Oberriet, Grabs, Ebnat-Kappel, Nesslau and Degersheim. The other 44 municipalities are in region 2, for example Wittenbach, Goldach, Uzwil, Flawil, Sargans and Walenstadt. The postcode only helps with the search; the region of each municipality is in the FOPH list of premium regions valid from 1 January 2027.

Sources: BAG: Prämienregionen (gültig ab 1.1.2027) · FOPH: Health insurance: Premium regions

Who is responsible for compulsory insurance and exemptions in St. Gallen?

Responsibility lies with the Kontrollstelle für Krankenversicherung (health insurance control office) of your political municipality; there you get information and submit an application for exemption. If you move your residence to Switzerland, you must in principle take out insurance within three months. Cross-border commuters contact the Kontrollstelle of the municipality where they work.

Sources: Kanton St.Gallen: Versicherungspflicht · BAG: Zuständige kantonale Stellen für Gesuche um Befreiung

Studying in St. Gallen: do you need a Swiss health insurer?

Students from the EU, EFTA or the UK who remain covered by statutory insurance there are not subject to the obligation to be insured as long as they do not work here; they use the European Health Insurance Card for treatment. Students from other countries or with private insurance can be exempted if their cover is equivalent: for a maximum of three years, and on application for three more. In the city of St. Gallen, your insurer must confirm the equivalence unconditionally on the city’s form; other confirmations are not accepted.

Sources: FOPH: Foreign students in Switzerland · Fedlex: Verordnung über die Krankenversicherung (KVV), Art. 2 · Stadt St.Gallen: Studierende und Doktorierende

How much could you save?

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

Calculate premiums in the canton of St. Gallen →

Frequently asked questions — health insurance in the canton of St. Gallen

How much do premiums rise in 2027 in the canton of St. Gallen?▼
According to the Federal Office of Public Health (FOPH), the average monthly premium in the canton of St. Gallen rises by 5.0% in 2027 to CHF 358.40 (2026: CHF 341.30). For adults aged 26 and over it is CHF 427.40 (+5.0%), for young adults aged 19 to 25 CHF 291.00 (+5.1%) and for children up to 18 CHF 112.80 (+4.9%). 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 St. Gallen in 2027?▼
In our comparison, basic insurance for adults starts at CHF 368.25 per month (CHF 2,500 deductible, with accident cover, premium region St. Gallen). 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 does the hospital restructuring mean for insured persons in St. Gallen?▼
With the concentration on fewer sites, journeys for inpatient treatment are becoming longer in some regions. Care via the basic insurance hospital list remains guaranteed; if you choose a hospital that is not on the St. Gallen hospital list, you can cover any additional costs with supplementary insurance. With savings models, also check whether network practices are represented in your region.
Until when can I switch health insurer in the canton of St. Gallen?▼
Your cancellation of basic insurance must reach your current insurer by Monday, 30 November 2026; the switch takes effect on 1 January. The insurance year ends on 31 December. When comparing, check your municipality — with three premium regions, it affects the tariff.

Sources

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

All health insurers and cantons

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