The official figures from the Federal Office of Public Health (FOPH/BAG) for 2027 are out. On beste-krankenkasse.ch you can access the exact same official data and premiums as published by the federal government.
100% Official FOPH Data: Transparency First
The displayed rates match the approved basic insurance premiums for 2027. This offers a neutral foundation for comparing real costs across Swiss cantons and municipalities.
Cancellation Deadline November 30: Switching Rules
Following the release of the new rates, all insured persons in Switzerland have the right to adjust their basic insurance or switch providers under clear statutory rules:
- Deadline November 30: The cancellation letter must arrive at your current health insurer no later than the last working day of November (Nov 30) during regular office hours. The postmark alone does NOT prove timely delivery.
- Written Form: Cancellation should be submitted in writing, preferably via registered mail (Einschreiben).
- Guaranteed Acceptance: Under basic compulsory health insurance (KVG/LAMal), insurers are legally obligated to accept every applicant regardless of age or health status.
Savings Through Alternative Models & Deductibles
You can also reduce monthly costs without changing your insurer through key parameters:
- Insurance Models: Switching from standard free choice of doctor to GP/HMO (Hausarzt), Telemedicine (Telmed), or Digital/Flexible models yields substantial discounts.
- Deductible (Franchise) Optimization: Financially, two options make the most sense for adults: the minimum CHF 300 for expected medical expenses, or the maximum CHF 2,500 for low medical usage.
Premium Reduction (IPV) Belongs to the Individual
Regarding cantonal **premium reductions (IPV / Reduction de primes)**, there is often confusion when switching insurers. The law states clearly:
Premium reduction (IPV) is bound to the person and their taxable income, NOT to a specific health insurance company.
If you switch to a cheaper insurer, your cantonal subsidy amount remains fully intact. By lowering your base premium, your remaining out-of-pocket costs decrease accordingly.
Premium Comparison for 2027
Use our free Online Premium Calculator on beste-krankenkasse.ch to compare official FOPH rates for your municipality before November 30.