Health insurance for two
Nothing obliges a couple to pick the same insurer. It is rarely even the better sum — and the gap runs into hundreds of francs.
The household priced
- 2 × Adultadult · Deductible CHF 2'500 · accident suspended
The most affordable canton is Zug, at CHF 392.00 a month for this household.
The most expensive is Geneva, at CHF 885.40 a month — for exactly the same cover.
LAMal is individual: each person has their own contract, deductible and model. Choosing the same insurer for convenience often costs money, because the cheapest insurer for one is not necessarily cheapest for the other — rates depend on age class and the model chosen. The only argument for a shared insurer is administrative: one contact, one bill. On supplementary cover, by contrast, some insurers grant a family discount: that is where, and only where, bundling stands up.
What it costs, canton by canton
| Canton | Cheapest | Average premium | Gap over the year | Cheapest insurer |
|---|---|---|---|---|
| Zug | CHF 392.00 | CHF 497.13 | CHF 1'262 | CONCORDIA |
| Appenzell Innerrhoden | CHF 431.80 | CHF 544.36 | CHF 1'351 | Vivao Sympany |
| Uri | CHF 506.00 | CHF 622.91 | CHF 1'403 | Agrisano |
| Obwalden | CHF 517.60 | CHF 628.70 | CHF 1'333 | Agrisano |
| Nidwalden | CHF 522.60 | CHF 616.73 | CHF 1'130 | Agrisano |
| Schwyz | CHF 550.60 | CHF 670.92 | CHF 1'444 | Agrisano |
| Grisons | CHF 553.20 | CHF 691.52 | CHF 1'660 | ÖKK |
| St. Gallen | CHF 553.40 | CHF 702.96 | CHF 1'795 | Agrisano |
| Valais | CHF 554.80 | CHF 712.88 | CHF 1'897 | sodalis |
| Lucerne | CHF 558.90 | CHF 685.55 | CHF 1'520 | Luzerner Hinterland |
| Appenzell Ausserrhoden | CHF 573.60 | CHF 702.86 | CHF 1'551 | Agrisano |
| Glarus | CHF 593.60 | CHF 691.44 | CHF 1'174 | KPT |
| Zurich | CHF 601.80 | CHF 777.84 | CHF 2'113 | Sanitas |
| Schaffhausen | CHF 603.20 | CHF 749.09 | CHF 1'751 | Assura-Basis |
| Thurgau | CHF 606.60 | CHF 703.52 | CHF 1'163 | Galenos |
| Fribourg | CHF 629.60 | CHF 759.67 | CHF 1'561 | Visana |
| Bern | CHF 634.40 | CHF 819.70 | CHF 2'224 | Visana |
| Aargau | CHF 652.50 | CHF 745.34 | CHF 1'114 | Sanitas |
| Solothurn | CHF 692.60 | CHF 793.47 | CHF 1'210 | Visana |
| Basel-Landschaft | CHF 730.00 | CHF 891.14 | CHF 1'934 | ÖKK |
| Vaud | CHF 760.80 | CHF 917.85 | CHF 1'885 | Assura-Basis |
| Jura | CHF 807.00 | CHF 924.66 | CHF 1'412 | Assura-Basis |
| Neuchâtel | CHF 807.00 | CHF 967.93 | CHF 1'931 | SWICA |
| Ticino | CHF 813.80 | CHF 993.90 | CHF 2'161 | Helsana |
| Basel-Stadt | CHF 832.60 | CHF 972.03 | CHF 1'673 | CSS |
| Geneva | CHF 885.40 | CHF 1'029.13 | CHF 1'725 | Assura-Basis |
The amounts are the lowest premium found in the canton, across all models, for the composition above. A canton’s lowest premium sits in one specific premium region: your municipality may belong to another. The comparator gives the exact figure for your postcode. When a household has several insured people, each is placed with the insurer cheapest for them: the right-hand column may therefore name two, and nothing requires a family to choose the same insurer for everyone.
Three things to check
- 1Compare each of you separately: the comparator shows the best choice per person.
- 2The deductible need not be the same: it follows each person’s health.
- 3The couple discount exists on supplementary cover, never on basic insurance.
The other situations
- Health insurance as a student
- Health insurance in your first job
- Health insurance for a family of four
- Health insurance when self-employed
- Health insurance in retirement
- Health insurance when arriving in Switzerland
- Health insurance for a child
- Health insurance during an apprenticeship
- Health insurance when you are out of work
- Health insurance as a cross-border worker
- Health insurance after retirement
2026 · OFSP / priminfo.admin.ch