Health insurance in the canton of Thurgau: 2027 premiums compared
Calculate 2027 premiums in the canton of Thurgau
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According to the FOPH, the average health insurance premium in the canton of Thurgau rises by 5.0% in 2027 to CHF 364.60 a month (adults aged 26 and over: CHF 433.20, +4.9%).
| Age group | Average premium 2027 | Change vs. 2026 |
|---|---|---|
| All insured persons | CHF 364.60 | +CHF 17.30 (+5.0%) |
| Adults (26 and over) | CHF 433.20 | +CHF 20.30 (+4.9%) |
| Young adults (19 to 25) | CHF 298.00 | +CHF 14.10 (+5.0%) |
| Children (up to 18) | CHF 115.90 | +CHF 5.10 (+4.6%) |
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 Thurgau: 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 Frauenfeld
In our comparison, the cheapest basic insurance in the canton of Thurgau costs CHF 463.25 a month in 2027; the average across 23 tariffs compared is CHF 530.46 (adult born 1990, CHF 300 deductible, with accident cover, premium region Frauenfeld).
- Cheapest premium (CHF 300 deductible)
- CHF 463.25
- Average (CHF 300 deductible)
- CHF 530.46
- Cheapest premium (CHF 2,500 deductible)
- CHF 334.95
- Tariffs compared
- 23
- Cheapest premium: +CHF 9.50 (+2.1%)
- Average: +CHF 40.54 (+8.3%)
- Cheapest premium with CHF 2,500 deductible: +CHF 9.50 (+2.9%)
Thurgau on Lake Constance forms a single premium region — the same regional tariff framework applies from Frauenfeld through Kreuzlingen to Arbon. Its premium level is traditionally below the Swiss average. Inpatient care is provided mainly by the cantonal hospitals in Frauenfeld and Münsterlingen; the border location next to Konstanz also raises the question of treatment in Germany for many households.
The cheapest tariffs in our comparison (canton of Thurgau)
| Insurer | Tariff | Model | Premium/month | Change vs. 2026 |
|---|---|---|---|---|
| CONCORDIA | HMO | HMO | CHF 463.25 | +CHF 9.50 (+2.1%) |
| CONCORDIA | smartDoc | Telmed / other | CHF 476.95 | +CHF 12.40 (+2.7%) |
| CONCORDIA | MyDoc | Family doctor model | CHF 490.75 | new to the list |
| SWICA | Favorit Medpharm | Telmed / other | CHF 496.85 | new to the list |
| SWICA | Favorit Santé | HMO | CHF 499.75 | new to the list |
Adult (born 1990), CHF 300 deductible, with accident cover, premium region Frauenfeld — 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.
Who checks the obligation to be insured in Thurgau?
Responsibility lies with the Krankenkassenkontrollstelle (health insurance control office) of your municipality of residence; it checks the obligation to be insured and applications for exemption. If you move to Thurgau, send the municipality your proof of insurance within three months of taking up residence. If there is no proof, the municipality assigns you to a health insurer no later than three months after your obligation to be insured begins, at your expense. If you join late, you are insured only from the date you join; costs incurred earlier are not covered, and if the delay is not excusable, a premium surcharge (Prämienzuschlag) is added.
Sources: Kanton Thurgau, Amt für Gesundheit: Versicherungspflicht · Kanton Thurgau: Merkblatt für zuziehende Personen (09/2018)
Unpaid premiums in Thurgau: what happens?
Thurgau keeps a list of premium defaulters: adults who do not pay despite a reminder are entered 30 days after debt collection proceedings begin. From then on, they are only entitled to emergency treatment; the treating doctor decides what counts as an emergency. The municipality’s Case Management informs and supports those affected; a person comes off the list once they have paid all arrears incurred in Thurgau or move out of the canton. Premiums you received a reminder for must be paid by the end of the notice period; otherwise a cancellation has no effect.
Sources: Kanton Thurgau, Amt für Gesundheit: Versicherungspflicht · Fedlex: Verordnung über die Krankenversicherung (KVV), Art. 105l
How much could you save?
Calculate your personal premium in two minutes — Felben-Wellhausen is already pre-filled as the place of residence and can be changed. Free and without obligation.
Calculate premiums in the canton of Thurgau →Frequently asked questions — health insurance in the canton of Thurgau
How much do premiums rise in 2027 in the canton of Thurgau?▼
Which health insurer is cheapest in the canton of Thurgau in 2027?▼
Does basic insurance pay if I get treated in Konstanz?▼
Until when can I switch health insurer in Thurgau?▼
Sources
Official data behind the figures on this page (external links).
- Average monthly premiums by canton 2026/2027, all age groups, incl. optional deductibles and models (PDF in German, French and Italian) · Federal Office of Public Health (FOPH), 29.09.2026
- Average monthly premiums by canton 2026/2027 by age group: adults, young adults, children (PDF in German, French and Italian) · Federal Office of Public Health (FOPH), 29.09.2026
- Press release on the 2027 health insurance premiums (in German) · Federal Council, FDHA and FOPH, 29.09.2026
- Priminfo: premium calculator 2027 (in German) · Federal Office of Public Health (FOPH)
- Health insurance: Premium regions · Federal Office of Public Health (FOPH)
- Fact sheet "Changing health insurer – information for insured persons" (PDF in German) · Federal Office of Public Health (FOPH), 29.09.2026