Switching health insurer in Switzerland for 2027: how far apart premiums are

Price gaps between insurers in 2027

Since the announcement on 29 September 2026, every insurer's approved 2027 premiums are known. On average, around 24 insurers offer the standard model in each premium region. We analysed how far their prices are apart in all 42 Swiss premium regions:

For comparison: according to the federal government, the average adult premium rises by CHF 22.80 per month in 2027. The price gap between insurers in the same region is on average more than five times this year's increase.

Increases vary widely from insurer to insurer

The government reports an average increase of 5.0%. Depending on insurer and region, however, the change in the standard model (CHF 300 deductible) ranges from −10.1% to +16.5%. For 51 of 1,019 offers the premium stays the same or falls; for 26 it rises by 10% or more. For 80% of offers the increase lies between +1.0% and +7.2%.

The ranking shifts too: the cheapest insurer of 2026 is still the cheapest in 2027 in only 23 of 41 comparable premium regions. In 7 regions it is no longer among the three cheapest. In the most extreme case it costs CHF 47.50 per month more in 2027 than the new cheapest offer, or CHF 570 per year.

Deductible and model change the premium as well

Besides the insurer, your deductible (franchise) and insurance model affect the price. The figures show the average of all 42 premium regions for 2027 (adults, without accident cover):

A higher deductible lowers the premium but raises the amount you pay yourself when you need care: with a CHF 2,500 instead of a CHF 300 deductible, you carry up to CHF 2,200 more in costs. Alternative models require you to contact a specific first point of care (a family doctor, an HMO practice or a telephone medical service). Which combination fits depends on your personal situation.

What you can compare before 30 November

Your insurer must send you your personal 2027 premium 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, not the postmark. For adults, deductibles in 2027 still range from CHF 300 to CHF 2,500.

• Your 2027 premium at your current insurer compared with the other insurers in your premium region
• Whether your current insurer is still among the cheaper offers in your region in 2027
• Your premium with a different deductible between CHF 300 and CHF 2,500
• An alternative model such as family doctor, HMO or Telmed