Swiss health insurance premiums rise 5% in 2027: the official figures
Published 29.09.2026
The average Swiss basic health insurance premium rises by 5.0% in 2027 to CHF 412 per month, CHF 19.70 more than in 2026. Adults pay an average of CHF 487.60 per month, CHF 22.80 more than today or CHF 273.60 more per year. The steepest rise is in the canton of Jura (+6.6%), the smallest in Glarus (+3.0%).
2027 premiums by age group
The federal government announced the approved basic insurance (KVG/LAMal) premiums for 2027 on 29 September 2026. The 5.0% increase is higher than in 2026 (+4.4%) and matches the Federal Office of Public Health (FOPH) forecast from May.
| Age group | Average premium 2027 per month | Change per month | Change |
|---|---|---|---|
| All insured | CHF 412.00 | + CHF 19.70 | +5.0% |
| Adults (26+) | CHF 487.60 | + CHF 22.80 | +4.9% |
| Young adults (19–25) | CHF 338.80 | + CHF 15.40 | +4.8% |
| Children (0–18) | CHF 128.10 | + CHF 5.70 | +4.6% |
The average premium is taken across all insurers, deductibles and models. Your personal premium can be well above or below it.
How much premiums rise in your canton
The differences between cantons are large. In Jura the average premium rises by CHF 28.40 per month, in Glarus by CHF 10.70.
| Canton | Rise in average premium 2027 |
|---|---|
| Jura | +6.6% |
| Schaffhausen | +6.4% |
| Solothurn | +6.0% |
| Zurich | +5.8% |
| Aargau | +5.6% |
| Valais | +5.6% |
| Bern | +5.4% |
| Basel-Stadt | +4.5% |
| Zug | +4.4% |
| Graubünden | +4.3% |
| Basel-Landschaft | +4.3% |
| Ticino | +3.7% |
| Vaud | +3.5% |
| Glarus | +3.0% |
Geneva and Ticino remain the most expensive: adults there pay an average of CHF 610.60 (Geneva, +4.3%) and CHF 603.60 per month (Ticino, +3.7%) in 2027. Zug remains the cheapest canton, with an average premium of CHF 276.20 per month.
Why the average says little about your premium
By law, basic insurance covers exactly the same benefits at every insurer. Only the price differs. Our analysis of the official 2026 premium data shows how far insurers in the same premium region are apart (adults, standard model, CHF 300 deductible, without accident cover, average of all 42 premium regions):
| Comparison within a premium region (2026) | Per month | Per year |
|---|---|---|
| Cheapest vs. most expensive insurer | CHF 120 | CHF 1,437 |
| Cheapest insurer vs. average | CHF 48 | CHF 579 |
| Largest gap (one region) | CHF 229 | CHF 2,753 |
For comparison: the average 2027 increase for adults is CHF 22.80 per month. Deductible and model also change the price: with a CHF 2,500 instead of a CHF 300 deductible, the premium was on average CHF 1,439 per year lower in 2026, and with the HMO model around CHF 64 per month lower than the standard model. As soon as the 2027 premium data is available in our calculator, the comparison will show the new figures.
What you can compare before 30 November
Your insurer must send you your personal 2027 premium in writing by 31 October at the latest. You can cancel your basic insurance by Monday, 30 November 2026 with effect from 1 January 2027; what counts is that your cancellation reaches the insurer by that date.
- Your new 2027 premium for the same basic insurance at other insurers in your premium region
- Your premium with a different deductible between CHF 300 and CHF 2,500
- An alternative model such as family doctor, HMO or Telmed
Frequently asked questions
How much will Swiss health insurance premiums rise in 2027?
The average premium rises by 5.0% in 2027 to CHF 412 per month. For adults aged 26 and over, it rises by 4.9% to CHF 487.60 per month.
Which canton has the biggest premium increase in 2027?
Jura (+6.6%), followed by Schaffhausen (+6.4%). The smallest increase is in Glarus (+3.0%).
How much more will adults pay in 2027?
On average CHF 22.80 more per month or CHF 273.60 more per year. Your personal premium depends on insurer, canton, deductible and model.
What is the deadline to switch health insurer for 2027?
Your cancellation of basic insurance must reach your insurer by Monday, 30 November 2026. The switch takes effect on 1 January 2027.
Sources
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We compare and inform — we do not provide advice.