Health insurance in the canton of Ticino: 2027 premiums compared

Calculate 2027 premiums in the canton of Ticino

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According to the FOPH, the average health insurance premium in the canton of Ticino rises by 3.7% in 2027 to CHF 519.90 a month (adults aged 26 and over: CHF 603.60, +3.7%).

Average monthly premium 2027 in the canton of Ticino according to the FOPH
Age groupAverage premium 2027Change vs. 2026
All insured personsCHF 519.90+3.7%
Adults (26 and over)CHF 603.60+3.7%
Young adults (19 to 25)CHF 418.40+3.5%
Children (up to 18)CHF 153.20+3.4%

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 Ticino: 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 Bellinzona

In our comparison, the cheapest basic insurance in the canton of Ticino costs CHF 630.15 a month in 2027; the average across 21 tariffs compared is CHF 724.65 (adult born 1990, CHF 300 deductible, with accident cover, premium region Bellinzona).

Cheapest premium (CHF 300 deductible)
CHF 630.15
Average (CHF 300 deductible)
CHF 724.65
Cheapest premium (CHF 2,500 deductible)
CHF 501.85
Tariffs compared
21
Change compared with 2026:
  • Cheapest premium: +CHF 21.90 (+3.6%)
  • Average: +CHF 27.10 (+3.9%)
  • Cheapest premium with CHF 2,500 deductible: +CHF 21.90 (+4.6%)

Ticino is the only entirely Italian-speaking canton of Switzerland and structurally has one of the highest premium levels in the country — due among other things to its older population and high healthcare costs. The canton is divided into two premium regions. In Ticino in particular, an annual comparison pays off, because the differences between insurers are above average.

The cheapest tariffs in our comparison (canton of Ticino)

CONCORDIA
HMO
HMO
CHF 630.15
+CHF 21.90 (+3.6%)
CONCORDIA
smartDoc
Telmed / other
CHF 645.15
+CHF 26.00 (+4.2%)
SWICA
Favorit Medpharm
Telmed / other
CHF 650.55
new to the list
SWICA
Favorit Multichoice
Telmed / other
CHF 650.55
new to the list
CONCORDIA
MyDoc
Family doctor model
CHF 663.95
+CHF 23.00 (+3.6%)

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

Ticino: which premium region is your municipality in?

Health insurers can set different premiums for Ticino’s two premium regions. Region 1 comprises 70 of Ticino’s 100 municipalities, including Lugano, Mendrisio, Chiasso, Bellinzona, Locarno, Ascona and Gambarogno. The other 30 municipalities form region 2, including Airolo, Faido, Biasca, Acquarossa, Maggia, Cevio, Gordola and Verzasca. The postcode only helps with the search: what counts is the region of your municipality, as given by the FOPH in its list of premium regions valid from 1 January 2027.

Sources: FOPH: Health insurance: Premium regions · UFSP: Regioni premi (valido da 1.1.2027)

Who checks the obligation to be insured in Ticino?

Checks are the responsibility of the Istituto delle assicurazioni sociali (IAS, the cantonal social insurance institute) in Bellinzona: anyone who does not take out insurance is enrolled with a health insurer by the authority after a formal warning. Applications for exemption must be sent in writing to the IAS, Settore obbligo assicurativo (compulsory insurance section), within three months of the start of the obligation. With a residence permit for more than three months, the obligation starts when you register with the residents’ registration office (controllo abitanti), even if the permit has not yet been issued. If you join late, you are insured only from the day you join and, if the delay is not excusable, you pay a premium surcharge.

Sources: Cantone Ticino, IAS: Obbligo assicurativo e morosi (2026) · UFSP: Uffici cantonali per le richieste d’esenzione (settembre 2026) · Cantone Ticino, IAS: Assicurazione malattia obbligatoria (LAMal)

Premium arrears in Ticino: what happens?

With the vote of the Grand Council (the cantonal parliament) on 17 September 2025, Ticino abolished its blacklist of defaulters for good. However, the municipality summons every insured person in arrears to assess their financial situation and to look together for a way to pay off the debts. Anyone who does not attend or does not hand in the documents requested can be reported by the municipality to the public prosecutor’s office. As long as premiums, cost sharing, default interest and debt collection costs are not paid in full, it is not possible to switch health insurer.

Sources: Cantone Ticino, IAS: Obbligo assicurativo e morosi (2026)

How much could you save?

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

Calculate premiums in the canton of Ticino →

Frequently asked questions — health insurance in the canton of Ticino

How much do premiums rise in 2027 in the canton of Ticino?▼
According to the Federal Office of Public Health (FOPH), the average monthly premium in the canton of Ticino rises by 3.7% in 2027 to CHF 519.90 (2026: CHF 501.30). For adults aged 26 and over it is CHF 603.60 (+3.7%), for young adults aged 19 to 25 CHF 418.40 (+3.5%) and for children up to 18 CHF 153.20 (+3.4%). 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 Ticino in 2027?▼
In our comparison, basic insurance for adults starts at CHF 501.85 per month (CHF 2,500 deductible, with accident cover, premium region Bellinzona). 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 applies to cross-border commuters from Italy working in Ticino?▼
Cross-border commuters working in Ticino have a right of option: within three months of starting work, they can choose between Swiss basic insurance under the KVG/LAMal and the Italian health system. The choice is in principle final — seek advice before deciding. easyall only arranges insurance for people residing in Switzerland.
Until when can I switch health insurer in Ticino?▼
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. Given Ticino’s high premium level, switching to the right insurer has a particularly strong effect on the household budget here.

Sources

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

All health insurers and cantons

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