Health insurance when self-employed
No employer, so no LAA and no daily allowance: the entire cover rests on your own decisions.
The household priced
- 1 × Self-employedadult · Deductible CHF 2'500 · accident included
The most affordable canton is Zug, at CHF 207.40 a month for this household.
The most expensive is Geneva, at CHF 476.00 a month — for exactly the same cover.
With no employer, accident cover must stay in the health insurance — suspending it would be a costly error. Above all, no daily allowance exists by default: three months off work means three months without income, until a possible disability pension that often takes over a year. A high deductible is defensible, provided you have the cash to absorb it.
What it costs, canton by canton
| Canton | Cheapest | Average premium | Gap over the year | Cheapest insurer |
|---|---|---|---|---|
| Zug | CHF 207.40 | CHF 265.96 | CHF 703 | CONCORDIA |
| Appenzell Innerrhoden | CHF 232.10 | CHF 291.26 | CHF 710 | Vivao Sympany |
| Uri | CHF 266.30 | CHF 333.41 | CHF 805 | Agrisano |
| Obwalden | CHF 272.40 | CHF 336.44 | CHF 768 | Agrisano |
| Nidwalden | CHF 275.00 | CHF 330.07 | CHF 661 | Agrisano |
| Grisons | CHF 279.85 | CHF 369.85 | CHF 1'080 | vita surselva |
| Schwyz | CHF 289.80 | CHF 358.89 | CHF 829 | Agrisano |
| St. Gallen | CHF 291.30 | CHF 376.05 | CHF 1'017 | Agrisano |
| Valais | CHF 295.10 | CHF 381.76 | CHF 1'040 | sodalis |
| Lucerne | CHF 297.30 | CHF 366.73 | CHF 833 | Luzerner Hinterland |
| Appenzell Ausserrhoden | CHF 301.90 | CHF 376.04 | CHF 890 | Agrisano |
| Zurich | CHF 317.40 | CHF 416.05 | CHF 1'184 | Agrisano |
| Glarus | CHF 319.10 | CHF 369.92 | CHF 610 | KPT |
| Thurgau | CHF 319.30 | CHF 376.44 | CHF 686 | Agrisano |
| Schaffhausen | CHF 323.40 | CHF 401.04 | CHF 932 | Agrisano |
| Fribourg | CHF 336.90 | CHF 406.67 | CHF 837 | Visana |
| Bern | CHF 337.20 | CHF 438.45 | CHF 1'215 | Agrisano |
| Aargau | CHF 343.50 | CHF 398.67 | CHF 662 | Agrisano |
| Solothurn | CHF 370.50 | CHF 424.67 | CHF 650 | Visana |
| Basel-Landschaft | CHF 384.40 | CHF 477.12 | CHF 1'113 | Agrisano |
| Vaud | CHF 409.00 | CHF 491.64 | CHF 992 | Assura-Basis |
| Ticino | CHF 428.60 | CHF 532.02 | CHF 1'241 | Agrisano |
| Jura | CHF 432.80 | CHF 495.08 | CHF 747 | Agrisano |
| Neuchâtel | CHF 433.90 | CHF 518.13 | CHF 1'011 | SWICA |
| Basel-Stadt | CHF 447.60 | CHF 520.31 | CHF 873 | CSS |
| Geneva | CHF 476.00 | CHF 551.12 | CHF 901 | 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
- 1Keep accident cover: no employer insures you, and an accident without LAA is paid out of the health deductible.
- 2Take out daily-allowance insurance: it is the most commonly missing cover, and the heaviest when things go wrong.
- 3Pillar 3a for a self-employed person with no pension fund has a much higher deductible ceiling — that is the main tax lever.
The other situations
2026 · OFSP / priminfo.admin.ch