Health insurance when self-employed — Region 2 of canton Schaffhausen
For this household of 1 in Region 2 of canton Schaffhausen, the lowest bill is CHF 323.40 a month. Here is the breakdown.
The household total
CHF 323.40 a month, or CHF 3'880.80 a year, each person with the insurer that is cheapest for them.
At the market average the same household would pay CHF 385.48 a month. The gap is CHF 744.96 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 323.40 a month.
The breakdown, person by person
One adult, CHF 2,500 deductible, accident cover included.
| Who | Deductible | Lowest premium | Insurer |
|---|---|---|---|
| Adult | CHF 2'500 | CHF 323.40 | Agrisano |
Three things to check
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.
- Keep accident cover: no employer insures you, and an accident without LAA is paid out of the health deductible.
- Take out daily-allowance insurance: it is the most commonly missing cover, and the heaviest when things go wrong.
- Pillar 3a for a self-employed person with no pension fund has a much higher deductible ceiling — that is the main tax lever.
Source: Federal Office of Public Health (FOPH), official premiums. 2026.