Which health insurer suits you? What drives the 2027 premium

Is there a health insurer that costs the least everywhere?

No. According to the FOPH's 2027 premium data, it is not the same insurer everywhere that has the lowest standard premium for adults (standard model, CHF 300 deductible, with accident cover): 12 different insurers have the lowest premium in at least one of the 42 premium regions (Prämienregionen), the most frequent of them in 16. Your profile matters too: for adults with a CHF 2'500 deductible without accident cover, compared across all models, the insurer with the lowest premium is the same as for the standard premium in at most 9 of the 42 regions. For young adults it is the same as for adults in only 3 regions, for children in 25 (in each case standard model, ordinary deductible, with accident cover).

Each insurer sets its own premiums and must use them to cover its costs in the canton concerned (Art. 61 para. 1 KVG; Art. 16 para. 3 KVAG). You can choose among the insurers operating where you live, which according to the same data number 21 to 28 of the 32, depending on the canton; each of them must accept you (Art. 5 let. i KVAG).

Your choice does not change the benefits: in basic insurance (Grundversicherung), insurers may only cover the benefits set by law (Art. 34 para. 1 KVG). Within a region, however, the gap between the highest and the lowest standard premium for adults is, according to the same data, at least CHF 78.70 and at the median CHF 145.60 a month, which at the median comes to CHF 1'747.20 a year (145.60 × 12).

How much does where you live matter?

What counts is your place of residence (Art. 61 para. 2 KVG): according to the FOPH, the average monthly premium for 2027 ranges from CHF 276.20 in the canton of Zug to CHF 519.90 in the canton of Ticino (Switzerland CHF 412.00), and for adults aged 26 and over from CHF 324.90 in Zug to CHF 610.60 in Geneva. These are averages across all insured persons, not one insurer's tariffs.

Within a canton, the insurer can grade premiums by region (Art. 61 para. 2bis KVG): 15 cantons each form a single premium region, 6 have two and 5 have three, 42 in total. The standard premium may differ by at most 15% from region 1 to region 2 (Fribourg and St. Gallen 10%) and by at most 10% from region 2 to region 3 (Lucerne 5%; Annex 2 of the FDHA ordinance on premium regions).

In the canton of Zurich, the average standard premium for adults in 2027 is, according to the FOPH, CHF 671.50 a month in region 1 and CHF 573.70 in region 3: CHF 97.80 less, or CHF 1'173.60 a year (97.80 × 12). Which region applies depends on your municipality of residence, not the postcode; in 2027, no municipality changes region. A premium change due to a move does not give you an extraordinary right of cancellation. More: Premium regions.

What role do age and family play?

For age, only the age group counts; health and income play no role. According to the FOPH, basic insurance distinguishes children up to 18, young adults from 19 to 25 and adults from 26; what counts is the year of birth (Art. 91 para. 3 KVV). Every insurer must set lower premiums for children and young adults than for adults, and lower premiums for children than for young adults (Art. 61 para. 3 KVG). According to the FOPH, the average monthly premium for 2027 is CHF 487.60 for adults, CHF 338.80 for young adults and CHF 128.10 for children.

Family discounts are voluntary: according to the FOPH's 2027 tariff data, 21 of the 32 insurers provide lower children's premiums from the third child, 4 of them then for all children in the family, and one already from the second. At the other 17, the reduction is roughly 7% to 61% of the normal children's premium, depending on the insurer and region. According to the FOPH, the discount may not depend on a parent being insured with the same insurer. Several children in one family without an optional deductible together pay at most CHF 1'000 in cost sharing a year with the same insurer, as much as one adult with a CHF 300 deductible (300 + 700; Art. 64 para. 4 KVG; Art. 103 paras. 1 and 2 KVV).

How much can the deductible, model and excluding accident cover save?

Together, at most half: the discounts for the deductible, the model and suspended accident cover may not lower the premium below 50% of the standard premium with accident cover for the same age group and region (Art. 90c paras. 1 and 2 KVV).

• Deductible: you must be able to pay a high deductible if you fall ill. A higher deductible only applies from 1 January (Art. 94 para. 1 KVV); for 2027, according to the FOPH, written notice by 31 December 2026 is enough, and Priminfo recommends mid-December. A lower one must be reported in writing by 30 November 2026 (Art. 94 para. 2 KVV). More: Choosing a deductible.
• Model: you first go to the designated point of contact, and the insurer only pays for what the model's providers perform or order; the benefits required by law remain insured (Art. 41 para. 4 KVG). From the standard model you can switch to a model at any time, otherwise only as of 1 January with written notice by 30 November (Art. 100 paras. 2 and 3 KVV). More: Family doctor, HMO or Telmed.
• Accident cover: you can have it suspended if you are fully insured under the Accident Insurance Act (UVG), for example because you work at least eight hours a week for one employer (Art. 8 para. 1 KVG; Art. 13 para. 1 UVV), on written request with proof, from the following month at the earliest (Art. 11 para. 1 KVV). More: Accident cover.

How to compare the premium for your profile

Use the same details for every insurer: municipality of residence, year of birth, deductible, model and accident cover. The FOPH advises choosing the model first, based on your needs. For 2027:

1. 1Starting point: your insurer had to notify you of the 2027 premium by 31 October 2026 (Art. 7 para. 2 KVG); it must show the share for accident cover separately (Art. 89 let. a KVV).
2. 2Check your current insurer: at priminfo.admin.ch, the FOPH's official premium calculator, you can work out what a different deductible or a model changes at your insurer. It shows every insurer operating in your region.
3. 3Compare other insurers: in the easyall calculator, you compare basic and supplementary insurance based on your details and needs; if you have questions, easy, our AI guide, can help.
4. 4Switch: register with the new insurer; you do not need a quote. Your cancellation must reach your current insurer by Monday, 30 November 2026; the FOPH recommends sending it by 15 November, by registered mail or “A-Post Plus”. Step by step: Switching health insurer.
5. 5Settle arrears: if you do not pay, by 31 December 2026, the premiums, cost sharing or default interest you received a reminder for by 30 November, plus debt collection costs, you cannot switch. Arrears only for your children do not block your own switch, but they do block the children's (Art. 64a para. 6 KVG; Art. 105l para. 2 KVV).
6. 6Supplementary insurance (Zusatzversicherung): if you only switch basic insurance, your current insurer may not cancel your supplementary insurance for that reason alone (Art. 7 para. 8 KVG). According to the FOPH, however, the supplementary insurer may charge a surcharge for administrative costs if your basic and supplementary insurance are with different insurers; check this beforehand.