The cost of mandatory health insurance in Switzerland will go up by five percent, on average, in 2027. Federal Council member Elisabeth Baume-Schneider made the announcement at a press conference in Bern on Tuesday. The biggest average price hikes are in the cantons of Jura (6.6 percent), Schaffhausen (6.4 percent), and Solothurn (6.0 percent). The cantons with the lowest average premium hikes are Glarus (3.0 percent), Vaud (3.5 percent), and Ticino (3.7 percent).
Independent online comparison service moneyland.ch analyzed the premiums for 2027. The analysis reveals massive differences in the cost of mandatory health insurance between municipalities and insurance providers.
Good to know: Changing to a different mandatory health insurance offer can save you a lot of money, even when the overall cost of insurance goes up.
How to lower your health insurance bill
Insurance companies offer mandatory health insurance in a number of different varieties. The most important way to lower the costs are:
- Raising your deductible: The higher the deductible you choose, the lower the insurance premiums will be. Be aware, though, that a higher deductible also means paying more out of your own pocket before the insurance starts to cover bills. Calculations done by moneyland.ch show that the lowest deductible (300 francs) works out cheaper if your covered medical expenses are at least 1800 to 1900 francs per year. Otherwise the highest deductible (2500 francs) makes more financial sense.
- Managed care: Insurance models with special limitations can lower your insurance premiums. All of these models require you to contact a predefined “gatekeeper” first, before getting further medical attention. Depending on the offer, there may be additional limitations like a requirement to use generic medicines, or to buy medicines from partner pharmacies only.
How much does health insurance cost in my town?
The cost of Swiss mandatory health insurance varies between locations. Switzerland is divided into 42 premium regions. A region may cover an entire canton, or part of a canton.
The map below shows the cheapest mandatory health insurance offers with the lowest deductible in each of Switzerland’s municipalities. Using the lowest deductible (300 francs) makes financial sense if your covered medical expenses are at least 1800 to 1900 francs per year.
A look at the interactive map reveals major differences between regions. The locations where residents pay the most for the cheapest available mandatory health insurance are Lugano (585.90 francs per month) and Geneva (568.90 francs). The cheapest offers are found in the cantons of Zug (332.50 francs) and Appenzell-Innerrhoden (350.30 francs). That means the cheapest available mandatory insurance cost 76 percent more in Lugano than in Zug.
The picture is much the same for offers with a 2500-franc deductible. Here too, the cheapest available offer costs the least in Zug (213.20 francs per month), and the most in Lugano (473 francs). That is a difference of 259.80 francs per month. So residents of Lugano have to pay around 122 percent more for the cheapest available offer than residents of Zug.
Price increases by location
The moneyland.ch analysis also calculated the price difference between the cheapest available offer in 2026 and the cheapest available offer in 2027, across all 42 premium regions.
For the cheapest offer with a 300-franc deductible, the biggest price hikes are seen in Schwyz (8.6 percent), Obwalden (7.1 percent), and Neuchâtel (6.7 percent). The locations where the cost of the cheapest available offer will go up the least are Geneva (1.2 percent), Basel-Landschaft region 1 and Schaffhausen region 2 (both 2.6 percent), and Vaud (2.7 percent).
The cost of the cheapest available offer with a 2500-franc deductible will go up the most in Zug (8.8 percent), Schwyz (8.6 percent), and Obwalden (7.9 percent). On the other end of the spectrum, the cost of the cheapest available offer will go up the least in Geneva (1.6 percent), Nidwalden (2.2 percent), and Glarus (2.6 percent).
Methodology
For the evaluation, moneyland.ch analyzed official health insurance premium data for 2027 from the Federal Office of Public Health (FOPH). Unless expressly stated otherwise, all of the figures apply to adult residents above the age of 26. The analysis does not account for premiums for children and young adults. It also does not account for accident cover.
The interactive maps show the cheapest available offers for the lowest and highest deductible, in each of Switzerland’s municipalities.
