Swiss health insurance premiums 2027: +5.0%

The 2027 premiums in figures

Across all age groups, insurers, deductibles and models, the average premium for 2027 is CHF 412.00 a month. That is 5.0% more than in 2026 (CHF 392.40).

For comparison: the average premium rose by 8.7% in 2024, 6.0% in 2025 and 4.4% in 2026. The increase is therefore larger than last year.

Average monthly premiums for 2027 by age group, according to the FOPH:

• Adults (26 and over): CHF 487.60 a month (+4.9%)
• Young adults (19 to 25): CHF 338.80 a month (+4.8%)
• Children (up to 18): CHF 128.10 a month (+4.6%)

How premiums change by canton

The average premium is only an average. Your own premium depends on your canton, premium region, age, deductible, model and insurer, and it can rise much more or much less. Within the same region, cheaper and more expensive insurers are often several hundred francs a year apart, for identical basic insurance benefits.

The average premium rises most in the cantons of Jura (+6.6%), Schaffhausen (+6.4%) and Solothurn (+6.0%). The smallest changes are in the cantons of Glarus (+3.0%), Vaud (+3.5%) and Ticino (+3.7%).

The average premium for 2027 is highest in the canton of Ticino at CHF 519.90 a month and lowest in the canton of Zug at CHF 276.20.

The FOPH figures are averages across all insured persons in a canton. Our table of health insurance premiums 2027 by canton shows, for all 26 cantons, the cheapest and the average premium of the insurers we compare for an adult in the premium region of the cantonal capital, with the change from 2026.

Average premium 2027 in all 26 cantons

The table shows the average monthly premium for 2027 in each canton according to the FOPH, across all age groups and for adults aged 26 and over, with the change compared with 2026. The figures are averages over all insured persons, including optional deductibles and models, rounded by the FOPH (annex to the press release of 29 September 2026). They cannot be compared directly with the easyall comparison figures for a reference profile.

Deadlines for switching on 1 January 2027

• Basic insurance: your cancellation must reach your current insurer by Monday, 30 November 2026. What counts is the date of receipt, not the postmark. Send it by registered mail, ideally by mid-November.
• Acceptance: the new insurer must accept you for basic insurance, without health questions and regardless of your age.
• Deductible: notify your insurer in writing of a lower deductible by 30 November 2026. Most insurers accept a higher deductible until 31 December 2026.
• Model: a switch to a model with fewer restrictions, for example to the standard model, must reach your insurer by 30 November 2026. With most insurers, you can switch to a cost-saving model until 31 December 2026.
• Arrears: you can only switch if you have no unpaid premiums, cost sharing, default interest or debt collection costs. So settle any open invoices early.
• Supplementary insurance (VVG): the notice periods in your contract terms apply, often three months to the end of the year. For the end of 2026, the cancellation therefore had to arrive by 30 September 2026. If the insurer raises the premium of a supplementary insurance, many AVB provide a special cancellation right. Only cancel a supplementary policy once the new insurer has confirmed your acceptance.

What to do now

1. 1Compare your 2027 premium: enter your postcode, year of birth and deductible to see the 2027 premiums of the insurers we compare in your region. Don't wait for your insurer's letter: it arrives by 31 October 2026 at the latest, but the figures are already final.
2. 2Check deductible and model: if you rarely see a doctor, the CHF 2'500 deductible combined with a family doctor, HMO or telemedicine model often saves several hundred francs a year. If you have regular medical costs, a low deductible is often the better choice.
3. 3Switch: when you switch via easyall, the cancellation letter is created automatically. It is sent in principle only after the new insurer's written acceptance: for basic insurance so that it arrives by 30 November 2026 wherever possible, for new supplementary insurance additionally only after the 14-day revocation period has expired.

New model categories from 2027

From the 2027 premiums on, the FOPH reclassifies the alternative insurance models. It groups family doctor and HMO models as practice models (PRAXIS): your first point of contact is always a designated medical practice, such as your family doctor's practice or a medical centre. Telephone and digital models are now called TEL_DIG: the first contact is via a telemedicine centre or an app.

The FOPH now lists pharmacy models (PHARM) and flexible models (FLEX) as separate categories. With PHARM, a partner pharmacy of the insurer is your first point of contact. With FLEX, you choose between several first points of contact, for example between a family doctor's practice and a telemedicine centre.

The rules of your model do not change: your insurer's terms remain decisive. In the easyall calculator, practice models appear under family doctor or HMO as before, while telemedicine, pharmacy and flexible models are shown together under telemedicine for now.