Health insurance premiums in Switzerland will rise by an average of 5.0 percent in 2027, as officially announced by the Federal Office of Public Health (FOPH/BAG). The average monthly premium will reach CHF 412.00.
Increase by Age Category
The premium hike affects all age brackets in Switzerland:
- Adults (26+ years): Average premium increases by 4.9% (+ CHF 22.80) to CHF 487.60 per month.
- Young Adults (19–25 years): Premium increases by 4.8% (+ CHF 15.40) to CHF 338.80 per month.
- Children (0–18 years): Premium increases by 4.6% (+ CHF 5.70) to an average of CHF 128.10.
Cantonal Differences: Jura Hardest Hit
As in previous years, rate changes vary substantially by canton:
- The highest increase is in Canton Jura with a 6.6 percent rise (+ CHF 28.40).
- The lowest increase is in Canton Glarus (+ 3.0 percent or + CHF 10.70).
- The most expensive canton remains Ticino with an average premium of CHF 519.90, while Canton Zug remains the cheapest in Switzerland at CHF 276.20.
Why Do Premiums Keep Increasing?
The main driver is the steady rise in healthcare costs caused by an aging population, medical advancements, expensive new pharmaceuticals, and increased usage of outpatient and inpatient services.
Compare Premiums Now and Act Before End of November
Insurers inform policyholders in writing by late October. Consumers have until November 30, 2026 to cancel basic insurance or switch models. Switching to a GP (Hausarzt), Telmed, or HMO model and optimizing your Deductible (Franchise) can significantly lower annual costs.
Use our free Online Premium Calculator to compare the cheapest options for your municipality.