Swiss Health Insurance Premiums 2027: Official +5.0% by Canton
Last updated: 29 September 2026 · Based on the official FOPH 2027 premium announcement of 29 September 2026 and official FOPH 2026 premium data.
Deutsche VersionThe FOPH announced on 29 September 2026, with Federal Councillor Baume-Schneider, that the mean Swiss health insurance premium will rise by 5.0% in 2027 to CHF 412 per month, an increase of CHF 19.70. The mean premium is CHF 487.60 for adults aged 26+ (+4.9%), CHF 338.80 for young adults aged 19–25 (+4.8%) and CHF 128.10 for children (+4.6%). Jura has the highest canton increase (+6.6%), followed by Schaffhausen (+6.4%) and Solothurn (+6.0%); Glarus has the lowest (+3.0%).
How much did premiums rise for 2027?
| Premium year | Average change |
|---|---|
| 2023 | +6.6% |
| 2024 | +8.7% |
| 2025 | +6.0% |
| 2026 | +4.4% |
| 2027 | +5.0% (official, FOPH, 29 Sept 2026) |
After three years of premium shocks driven by insurers rebuilding reserves, the increase is flattening — but premiums are still rising, not falling.
Official 2027 premium changes in all 26 cantons
Basis: average 2026 standard-model premium for adults (26+), CHF 300 deductible, without accident cover, across all insurers per canton — calculated from official FOPH premium data. The Average 2027 column is calculated the same way from the official 2027 FOPH premium data (Priminfo, 29 September 2026). The official change column is the FOPH average for all insured persons in the canton, so it can differ from the change between our two standard-model averages; your personal premium depends on insurer, model, deductible and premium region.
| Canton | Average 2026 (CHF/month) | Official change 2027 (%) | Average 2027 (CHF/month) |
|---|---|---|---|
| AG | 533 | +5.6% | 558 |
| AI | 430 | – | 448 |
| AR | 514 | – | 538 |
| BE | 581 | +5.4% | 604 |
| BL | 621 | +4.3% | 645 |
| BS | 674 | +4.5% | 698 |
| FR | 549 | +5.2% | 570 |
| GE | 716 | +4.4% | 729 |
| GL | 503 | +3.0% | 523 |
| GR | 505 | +4.3% | 524 |
| JU | 638 | +6.6% | 669 |
| LU | 503 | +4.4% | 526 |
| NE | 668 | +5.4% | 690 |
| NW | 465 | +5.3% | 485 |
| OW | 472 | +4.2% | 490 |
| SG | 515 | – | 535 |
| SH | 539 | +6.4% | 563 |
| SO | 566 | +6.0% | 592 |
| SZ | 490 | +4.8% | 509 |
| TG | 514 | – | 537 |
| TI | 674 | +3.7% | 701 |
| UR | 468 | +4.5% | 487 |
| VD | 636 | +3.5% | 652 |
| VS | 517 | +5.6% | 535 |
| ZG | 408 | +4.4% | 420 |
| ZH | 554 | +5.8% | 580 |
AI, AR, SG, TG: official FOPH canton change being verified — see priminfo.admin.ch. Their 2027 averages are calculated from the official 2027 premium data.
Why are Swiss health insurance premiums still rising?
The main driver is healthcare cost growth, projected at around 3.5% for 2027. The strongest cost increases are in home care (Spitex, +13%) and psychological psychotherapy (+9.8%). Newly covered benefits also add to the bill, such as weight-loss medications and compensation for family caregivers.
One remaining uncertainty is the new Tardoc outpatient tariff system, which replaced Tarmed on 1 January 2026. Its effect on total outpatient costs is not yet visible in a full year of data.
Key dates for switching for 2027
29 September 2026
Done: FOPH announced official 2027 premiums (+5.0% on average)
By 31 October 2026
Your insurer must inform you of your personal 2027 premium
30 November 2026
Deadline for your cancellation letter to reach your current insurer to switch basic insurance for 1 January 2027
1 January 2027
New premiums and any switch take effect
What can you compare before 30 November 2026?
The 2027 premiums are now official. The options people typically compare before the deadline are the same every year:
- Switching to another insurer for the same basic insurance.
- Choosing a different annual deductible between CHF 300 and CHF 2'500.
- Choosing an alternative model such as family doctor, HMO or Telmed instead of the standard model.
Basic insurance coverage is identical at every insurer by law, so switching never reduces your KVG coverage — only the price changes. We compare and inform — we do not provide advice.
Compare 2027 premiums now →Frequently asked questions
How much will premiums rise in 2027?
Premiums will officially rise by 5.0% on average to CHF 412 per month (+CHF 19.70), as announced by the FOPH on 29 September 2026. The mean adult premium is CHF 487.60 (+4.9%).
When are the official 2027 premiums announced?
The FOPH announced the official 2027 premiums on 29 September 2026. Insurers must notify policyholders of their personal premium by 31 October 2026.
What is the deadline to switch health insurance for 2027?
Your cancellation must reach your current insurer by 30 November 2026, effective 1 January 2027.
Will any insurer be cheaper for the same coverage in 2027?
Basic insurance (KVG/LAMal) coverage is identical at every insurer by Swiss law. Only the premium differs — in 2026 the gap between cheapest and most expensive insurer exceeds CHF 100 per month in several cantons.
Are these 2027 figures official?
Yes. The national and canton changes are the official figures announced by the FOPH on 29 September 2026 (+5.0% on average, mean premium CHF 412/month). The CHF averages per canton are calculated by us from the official 2026 and 2027 FOPH premium data (adults 26+, standard model, CHF 300 deductible, without accident cover).
Which cantons have the highest premium increase in 2027?
Jura (+6.6%), Schaffhausen (+6.4%) and Solothurn (+6.0%) have the highest average increases; Glarus has the lowest (+3.0%), according to the FOPH.
National and canton changes are official FOPH figures announced on 29 September 2026; canton averages in CHF are calculated by us from official FOPH 2026 premium data. We compare and inform — we do not provide advice.