Health insurance after retirement
Premiums do not rise with age after 26: that misconception is remarkably persistent. What changes is how you use your deductible.
The household priced
- 1 × Senioradult · Deductible CHF 500 · accident included
The most affordable canton is Zug, at CHF 324.10 a month for this household.
The most expensive is Geneva, at CHF 592.70 a month — for exactly the same cover.
LAMal knows only three age classes: child, young adult, adult. Past 26, the premium no longer rises with age — an insurer may not charge you more because you are 70 rather than 40. Medical costs do rise statistically, though, and it is the deductible arithmetic that shifts: beyond roughly two consultations and one ongoing course of treatment a year, the low deductible wins again. The model deserves a second look too: a family-doctor model lowers the premium without changing anything if you already always see the same practitioner.
What it costs, canton by canton
| Canton | Cheapest | Average premium | Gap over the year | Cheapest insurer |
|---|---|---|---|---|
| Zug | CHF 324.10 | CHF 380.99 | CHF 683 | CONCORDIA |
| Appenzell Innerrhoden | CHF 343.40 | CHF 406.89 | CHF 762 | Agrisano |
| Uri | CHF 366.50 | CHF 448.60 | CHF 985 | Agrisano |
| Obwalden | CHF 372.70 | CHF 451.78 | CHF 949 | Agrisano |
| Nidwalden | CHF 375.30 | CHF 445.26 | CHF 840 | Agrisano |
| Schwyz | CHF 390.10 | CHF 474.20 | CHF 1'009 | Agrisano |
| St. Gallen | CHF 391.60 | CHF 491.23 | CHF 1'196 | Agrisano |
| Grisons | CHF 395.00 | CHF 485.22 | CHF 1'083 | vita surselva |
| Valais | CHF 396.20 | CHF 497.56 | CHF 1'216 | Agrisano |
| Appenzell Ausserrhoden | CHF 402.20 | CHF 491.30 | CHF 1'069 | Agrisano |
| Lucerne | CHF 404.30 | CHF 482.15 | CHF 934 | Agrisano |
| Zurich | CHF 417.70 | CHF 531.32 | CHF 1'363 | Agrisano |
| Thurgau | CHF 419.60 | CHF 491.18 | CHF 859 | Agrisano |
| Glarus | CHF 423.10 | CHF 485.51 | CHF 749 | Agrisano |
| Schaffhausen | CHF 423.70 | CHF 516.66 | CHF 1'116 | Agrisano |
| Bern | CHF 437.50 | CHF 554.25 | CHF 1'401 | Agrisano |
| Fribourg | CHF 440.00 | CHF 522.31 | CHF 988 | Agrisano |
| Aargau | CHF 443.80 | CHF 513.94 | CHF 842 | Agrisano |
| Solothurn | CHF 476.20 | CHF 540.34 | CHF 770 | Agrisano |
| Basel-Landschaft | CHF 484.70 | CHF 592.81 | CHF 1'297 | Agrisano |
| Vaud | CHF 525.70 | CHF 607.28 | CHF 979 | Assura-Basis |
| Ticino | CHF 528.90 | CHF 647.97 | CHF 1'429 | Agrisano |
| Jura | CHF 533.00 | CHF 611.18 | CHF 938 | Agrisano |
| Neuchâtel | CHF 547.60 | CHF 633.39 | CHF 1'029 | Visana |
| Basel-Stadt | CHF 564.30 | CHF 636.00 | CHF 860 | CSS |
| Geneva | CHF 592.70 | CHF 667.39 | CHF 896 | 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
- 1Your age does not raise your premium after 26: only canton, insurer and your own choices count.
- 2If you are on regular treatment, the low deductible costs less over the year.
- 3The family-doctor model cuts the premium if you already have your regular doctor.
The other situations
- Health insurance as a student
- Health insurance in your first job
- Health insurance for a family of four
- Health insurance when self-employed
- Health insurance in retirement
- Health insurance when arriving in Switzerland
- Health insurance for a child
- Health insurance during an apprenticeship
- Health insurance when you are out of work
- Health insurance for two
- Health insurance as a cross-border worker
2026 · OFSP / priminfo.admin.ch