Swiss Health Insurance Statistics 2026: What People Really Pay, Canton by Canton
These statistics are computed from the official 2026 premium dataset of the Federal Office of Public Health (FOPH/BAG), covering 217,308 approved premium tariffs from 34 insurers. All figures are for an adult (26+) with accident coverage in the mandatory basic insurance (KVG/LAMal). Because basic insurance benefits are legally identical at every insurer, these price differences are pure price differences.
Key findings 2026
- The most expensive canton for adults is Geneva: average monthly premium of CHF 678.60 at the CHF 300 deductible.
- The cheapest canton is Zug: average CHF 392.20 — Geneva averages 73% more than Zug for legally identical coverage.
- The single cheapest adult premium in Switzerland in 2026 is CHF 207.40/month (canton Zug, CHF 2'500 deductible).
- In every canton, choosing the CHF 2'500 deductible instead of CHF 300 cuts the cheapest available premium by roughly CHF 100–130 per month.
- 34 insurers offer basic insurance in 2026; premiums vary by canton and premium region, never by health status.
Average and cheapest premiums by canton, 2026
| Canton | Average (CHF 300) | Cheapest (CHF 300) | Cheapest (CHF 2'500) |
|---|---|---|---|
| Geneva (GE) | CHF 678.60 | CHF 604.30 | CHF 476.00 |
| Ticino (TI) | CHF 659.15 | CHF 539.00 | CHF 428.60 |
| Basel-Stadt (BS) | CHF 647.20 | CHF 575.90 | CHF 447.60 |
| Neuchâtel (NE) | CHF 644.53 | CHF 554.20 | CHF 433.90 |
| Jura (JU) | CHF 622.29 | CHF 543.10 | CHF 432.80 |
| Vaud (VD) | CHF 618.51 | CHF 537.30 | CHF 409.00 |
| Basel-Landschaft (BL) | CHF 603.97 | CHF 494.80 | CHF 384.40 |
| Bern (BE) | CHF 565.40 | CHF 447.50 | CHF 337.20 |
| Solothurn (SO) | CHF 551.51 | CHF 486.20 | CHF 370.50 |
| Zurich (ZH) | CHF 542.52 | CHF 427.80 | CHF 317.40 |
| Fribourg (FR) | CHF 533.49 | CHF 450.00 | CHF 336.90 |
| Schaffhausen (SH) | CHF 527.85 | CHF 433.80 | CHF 323.40 |
| Aargau (AG) | CHF 525.14 | CHF 453.80 | CHF 343.50 |
| Valais (VS) | CHF 508.79 | CHF 406.30 | CHF 295.10 |
| Appenzell Ausserrhoden (AR) | CHF 502.48 | CHF 412.30 | CHF 301.90 |
| St. Gallen (SG) | CHF 502.43 | CHF 401.60 | CHF 291.30 |
| Thurgau (TG) | CHF 502.37 | CHF 429.70 | CHF 319.30 |
| Glarus (GL) | CHF 496.68 | CHF 433.20 | CHF 319.10 |
| Graubünden (GR) | CHF 496.38 | CHF 404.70 | CHF 279.85 |
| Lucerne (LU) | CHF 493.34 | CHF 414.30 | CHF 297.30 |
| Schwyz (SZ) | CHF 485.41 | CHF 400.20 | CHF 289.80 |
| Obwalden (OW) | CHF 462.97 | CHF 382.80 | CHF 272.40 |
| Uri (UR) | CHF 459.79 | CHF 376.60 | CHF 266.30 |
| Nidwalden (NW) | CHF 456.45 | CHF 385.40 | CHF 275.00 |
| Appenzell Innerrhoden (AI) | CHF 418.05 | CHF 353.50 | CHF 232.10 |
| Zug (ZG) | CHF 392.20 | CHF 335.10 | CHF 207.40 |
Averages are across all insurers, models and premium regions of the canton at the CHF 300 deductible; cheapest offers are typically alternative models (family doctor / HMO / telemedicine). Source: FOPH official premium data 2026.
How to read these numbers
Your canton and premium region set the overall price level. Neighbouring cantons can differ by more than CHF 100/month for the same benefits because regional healthcare costs, not coverage, drive the price.
Within any canton, the gap between the cheapest offer and the average offer is typically CHF 70–100 per month. That gap is what switching insurer actually captures — you keep the identical LAMal/KVG benefits and just stop overpaying.
Deductible and insurance model stack on top of insurer choice: moving from CHF 300 to CHF 2'500 saves another CHF 100–130/month in every canton, and alternative models (family doctor, HMO, telemedicine) typically cost 10–20% less than the standard model.
Cite these statistics
Journalists, bloggers and researchers may cite these figures freely with a link back to this page as source. Suggested attribution line to copy: Source: SwissHealthSaving.ch analysis of FOPH 2026 premium data.
Frequently asked questions
Which Swiss canton has the most expensive health insurance in 2026?
Geneva. The average adult premium is CHF 678.60 per month at the CHF 300 deductible, per FOPH 2026 data.
Which canton has the cheapest health insurance in 2026?
Zug, with an average of CHF 392.20 per month. The cheapest single offer in Switzerland is CHF 207.40 per month in Zug at the CHF 2'500 deductible.
Why do premiums differ if coverage is identical?
Insurers price by canton and premium region based on regional healthcare costs. Basic-insurance benefits are fixed by law, so premium differences reflect regional costs and insurer pricing, not coverage.
How much can switching insurer save?
The gap between the average and the cheapest offer within a canton is commonly CHF 70–100 per month — often more than CHF 1'000 per year, before further optimizing deductible and insurance model.
This page presents aggregated statistics from official FOPH premium data so you can compare your options. It is general information, not personal financial or insurance advice.