CSS Health Insurance Premiums 2027: Every Canton Compared

Updated 29 September 2026 · Source: official FOPH 2027 premium data (Priminfo, 29 September 2026) · Independent comparison, not affiliated with CSS.

Deutsche Version

In 2027, CSS's basic insurance for adults on the standard model (CHF 300 deductible, no accident cover) costs between CHF 425 and CHF 736 per month depending on the canton. CSS is below the cantonal average in 7 of 26 cantons. The biggest gap to the cheapest standard offer is CHF 90 per month in Schwyz — CHF 1'080 a year.

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CSS vs. the market: premium by canton

Basis: adults 26+, standard model, CHF 300 deductible, without accident cover, averaged across the canton's premium regions. Rank 1 = cheapest insurer in the canton.

Canton	CSS (CHF/month)	Canton average	Cheapest standard offer	Difference to cheapest	Rank
Aargau	571	558	517	+CHF 54	18 of 27
Appenzell Innerrhoden	433	448	406	+CHF 27	11 of 23
Appenzell Ausserrhoden	541	538	476	+CHF 65	15 of 23
Bern	611	604	564	+CHF 47	21 of 26
Basel-Country	641	645	584	+CHF 57	13 of 23
Basel-City	682	698	649	+CHF 33	11 of 23
Fribourg	577	570	533	+CHF 44	14 of 23
Geneva	736	729	662	+CHF 74	15 of 21
Glarus	542	523	493	+CHF 49	20 of 26
Graubünden	522	524	474	+CHF 48	14 of 24
Jura	675	669	621	+CHF 54	14 of 21
Lucerne	531	526	466	+CHF 65	18 of 25
Neuchâtel	689	690	637	+CHF 52	13 of 21
Nidwalden	502	485	438	+CHF 64	20 of 26
Obwalden	494	490	450	+CHF 44	15 of 26
St. Gallen	540	535	494	+CHF 46	18 of 25
Schaffhausen	590	563	514	+CHF 76	20 of 23
Solothurn	608	592	553	+CHF 55	19 of 25
Schwyz	517	509	427	+CHF 90	17 of 28
Thurgau	533	537	496	+CHF 37	13 of 23
Ticino	721	701	651	+CHF 70	14 of 21
Uri	480	487	441	+CHF 39	13 of 26
Vaud	678	652	596	+CHF 82	18 of 21
Valais	550	535	460	+CHF 90	19 of 26
Zug	425	420	382	+CHF 43	21 of 27
Zurich	616	580	537	+CHF 79	25 of 27

Same coverage at every insurer

Basic insurance (KVG) benefits are identical at every insurer by law. If you switch from CSS to another insurer, you keep exactly the same basic cover — only the premium changes. Every insurer must accept you for basic insurance, without health questions.

Leaving CSS: dates for 2027

29 September 2026
Done: the FOPH announced the 2027 premiums.
By 31 October 2026
CSS must notify you of your personal 2027 premium.
30 November 2026
Your basic-insurance cancellation must have reached CSS (switch effective 1 January 2027).

Supplementary insurance (VVG) is governed separately and has its own notice periods. A new supplementary policy may require health questions.

2027 premiums: official figures by canton

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Frequently asked questions about CSS

Is CSS more expensive than other insurers?

It depends on the canton. In 2027, CSS's standard model is below the cantonal average in 7 of 26 cantons. The biggest gap to the cheapest offer is CHF 90 per month (Schwyz).

How do I cancel my basic insurance with CSS?

With a written cancellation letter that reaches CSS by 30 November. The switch then takes effect on 1 January. You need a confirmation of acceptance from your new insurer first.

Will I lose coverage if I leave CSS?

No. By law, basic insurance offers the same benefits at every insurer. Supplementary insurance is separate.

Independent comparison based on official FOPH 2027 premium data. Not affiliated with CSS. We compare and inform — we do not provide advice.