Health insurance in retirement — Region 2 of canton St. Gallen
For this household of 2 in Region 2 of canton St. Gallen, the lowest bill is CHF 839.20 a month. Here is the breakdown.
The household total
CHF 839.20 a month, or CHF 10'070.40 a year, each person with the insurer that is cheapest for them.
At the market average the same household would pay CHF 993.90 a month. The gap is CHF 1'856.40 a year — that is what comparing is worth.
With a single insurer
Nothing requires a household to pick the same insurer for everyone, but many prefer it. The cheapest that covers every member is Agrisano, at CHF 839.20 a month.
The breakdown, person by person
Two adults, CHF 300 deductible, accident cover included.
| Who | Deductible | Lowest premium | Insurer |
|---|---|---|---|
| 2 × Adult | CHF 300 | CHF 419.60 | Agrisano |
Three things to check
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.
- Go 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.
- Check your entitlement to AHV supplementary benefits: they also cover part of the health premium.
- Terminate basic cover without touching supplementary policies: the deadlines differ, and a supplementary policy lost at that age is not recovered.
Source: Federal Office of Public Health (FOPH), official premiums. 2026.