Health insurance for a family of four
Four premiums, two adult deductibles, two children’s: this is where the gap between insurers runs into thousands of francs.
The household priced
- 2 × Parentadult · Deductible CHF 300 · accident suspended
- 2 × Childchild · Deductible CHF 0 · accident included
The most affordable canton is Zug, at CHF 701.60 a month for this household.
The most expensive is Geneva, at CHF 1'255.80 a month — for exactly the same cover.
A family adds up four premiums, so the gap between the cheapest insurer and the average is multiplied by four. Children get a much lower rate, a possible CHF 0 deductible and a reduced CHF 350 cost-sharing cap. Several insurers also grant a discount from the third child — it does not appear in the official premiums and is asked for directly.
What it costs, canton by canton
| Canton | Cheapest | Average premium | Gap over the year | Cheapest insurer |
|---|---|---|---|---|
| Zug | CHF 701.60 | CHF 898.80 | CHF 2'366 | CONCORDIA · Agrisano |
| Appenzell Innerrhoden | CHF 741.00 | CHF 957.51 | CHF 2'598 | Vivao Sympany · Agrisano |
| Uri | CHF 791.00 | CHF 1'051.55 | CHF 3'127 | Agrisano |
| Obwalden | CHF 804.00 | CHF 1'062.67 | CHF 3'104 | Agrisano |
| Nidwalden | CHF 809.20 | CHF 1'046.10 | CHF 2'843 | Agrisano |
| St. Gallen | CHF 839.80 | CHF 1'146.99 | CHF 3'686 | Agrisano · rhenusana |
| Schwyz | CHF 840.40 | CHF 1'112.37 | CHF 3'264 | Agrisano |
| Valais | CHF 853.20 | CHF 1'160.55 | CHF 3'688 | Agrisano |
| Grisons | CHF 854.80 | CHF 1'138.97 | CHF 3'410 | Agrisano |
| Appenzell Ausserrhoden | CHF 864.00 | CHF 1'146.38 | CHF 3'389 | Agrisano · rhenusana |
| Lucerne | CHF 870.20 | CHF 1'127.37 | CHF 3'086 | Agrisano |
| Zurich | CHF 898.20 | CHF 1'243.18 | CHF 4'140 | Agrisano |
| Thurgau | CHF 902.40 | CHF 1'150.56 | CHF 2'978 | Agrisano |
| Glarus | CHF 909.60 | CHF 1'136.73 | CHF 2'726 | Agrisano |
| Schaffhausen | CHF 910.80 | CHF 1'201.09 | CHF 3'483 | Agrisano |
| Bern | CHF 939.80 | CHF 1'287.42 | CHF 4'171 | Agrisano |
| Fribourg | CHF 945.00 | CHF 1'226.40 | CHF 3'377 | Agrisano |
| Aargau | CHF 953.00 | CHF 1'198.84 | CHF 2'950 | Agrisano |
| Solothurn | CHF 1'018.60 | CHF 1'257.23 | CHF 2'864 | Visana · Agrisano |
| Basel-Landschaft | CHF 1'039.00 | CHF 1'383.74 | CHF 4'137 | Agrisano |
| Vaud | CHF 1'113.80 | CHF 1'425.01 | CHF 3'734 | Assura-Basis · Galenos |
| Ticino | CHF 1'132.00 | CHF 1'505.30 | CHF 4'480 | Agrisano |
| Jura | CHF 1'138.80 | CHF 1'417.52 | CHF 3'345 | Agrisano · Visana |
| Neuchâtel | CHF 1'147.60 | CHF 1'471.34 | CHF 3'885 | Visana |
| Basel-Stadt | CHF 1'192.60 | CHF 1'480.88 | CHF 3'459 | CSS · Agrisano |
| Geneva | CHF 1'255.80 | CHF 1'559.13 | CHF 3'640 | Assura-Basis · Galenos |
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
- 1Nothing requires the whole family to be with the same insurer: the best choice can differ between adults and children.
- 2A CHF 0 deductible for a child is almost always right: the premium difference is small and paediatric visits are frequent.
- 3Check the cantonal subsidy: for families the income threshold is higher than most people assume.
The other situations
2026 · OFSP / priminfo.admin.ch