Health insurance in retirement
Medical costs rise, income falls, and the high deductible stops paying off. This is where comparing returns the most.
The household priced
- 2 × Retiredadult · Deductible CHF 300 · accident included
The most affordable canton is Zug, at CHF 670.20 a month for this household.
The most expensive is Geneva, at CHF 1'208.60 a month — for exactly the same cover.
LAMal has no senior rate: after 26, the premium no longer depends on age. What changes is usage — with regular consultations, the minimum CHF 300 deductible is almost always right again, and a family-doctor model keeps its sense since the doctor is already there. No insurer may refuse you basic cover, at any age.
What it costs, canton by canton
| Canton | Cheapest | Average premium | Gap over the year | Cheapest insurer |
|---|---|---|---|---|
| Zug | CHF 670.20 | CHF 784.40 | CHF 1'370 | Agrisano |
| Appenzell Innerrhoden | CHF 707.00 | CHF 836.11 | CHF 1'549 | Agrisano |
| Uri | CHF 753.20 | CHF 919.59 | CHF 1'997 | Agrisano |
| Obwalden | CHF 765.60 | CHF 925.94 | CHF 1'924 | Agrisano |
| Nidwalden | CHF 770.80 | CHF 912.90 | CHF 1'705 | Agrisano |
| Schwyz | CHF 800.40 | CHF 970.82 | CHF 2'045 | Agrisano |
| St. Gallen | CHF 803.20 | CHF 1'004.85 | CHF 2'420 | Agrisano |
| Grisons | CHF 809.40 | CHF 992.77 | CHF 2'200 | vita surselva |
| Valais | CHF 812.60 | CHF 1'017.58 | CHF 2'460 | Agrisano |
| Appenzell Ausserrhoden | CHF 824.60 | CHF 1'004.96 | CHF 2'164 | Agrisano |
| Lucerne | CHF 828.60 | CHF 986.68 | CHF 1'897 | Agrisano |
| Zurich | CHF 855.60 | CHF 1'085.04 | CHF 2'753 | Agrisano |
| Thurgau | CHF 859.40 | CHF 1'004.75 | CHF 1'744 | Agrisano |
| Glarus | CHF 866.40 | CHF 993.35 | CHF 1'523 | Agrisano |
| Schaffhausen | CHF 867.60 | CHF 1'055.70 | CHF 2'257 | Agrisano |
| Bern | CHF 895.00 | CHF 1'130.80 | CHF 2'830 | Agrisano |
| Fribourg | CHF 900.00 | CHF 1'066.98 | CHF 2'004 | Agrisano |
| Aargau | CHF 907.60 | CHF 1'050.29 | CHF 1'712 | Agrisano |
| Solothurn | CHF 972.40 | CHF 1'103.02 | CHF 1'567 | Agrisano |
| Basel-Landschaft | CHF 989.60 | CHF 1'207.94 | CHF 2'620 | Agrisano |
| Vaud | CHF 1'074.60 | CHF 1'237.01 | CHF 1'949 | Assura-Basis |
| Ticino | CHF 1'078.00 | CHF 1'318.29 | CHF 2'884 | Agrisano |
| Jura | CHF 1'086.20 | CHF 1'244.58 | CHF 1'901 | Agrisano |
| Neuchâtel | CHF 1'108.40 | CHF 1'289.07 | CHF 2'168 | Visana |
| Basel-Stadt | CHF 1'151.80 | CHF 1'294.39 | CHF 1'711 | CSS |
| Geneva | CHF 1'208.60 | CHF 1'357.20 | CHF 1'783 | 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
- 1Go back to the CHF 300 deductible if your annual costs regularly exceed CHF 1,700: beyond that, the high deductible costs more than it returns.
- 2Check your entitlement to AHV supplementary benefits: they also cover part of the health premium.
- 3Terminate basic cover without touching supplementary policies: the deadlines differ, and a supplementary policy lost at that age is not recovered.
The other situations
2026 · OFSP / priminfo.admin.ch