Health insurance after retirement — Region 2 of canton Vaud
For this household of 1 in Region 2 of canton Vaud, the lowest bill is CHF 525.70 a month. Here is the breakdown.
The household total
CHF 525.70 a month, or CHF 6'308.40 a year, each person with the insurer that is cheapest for them.
At the market average the same household would pay CHF 589.18 a month. The gap is CHF 761.76 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 Assura-Basis, at CHF 525.70 a month.
The breakdown, person by person
One person living alone, CHF 500 deductible, accident cover included.
| Who | Deductible | Lowest premium | Insurer |
|---|---|---|---|
| Adult | CHF 500 | CHF 525.70 | Assura-Basis |
Three things to check
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.
- Your age does not raise your premium after 26: only canton, insurer and your own choices count.
- If you are on regular treatment, the low deductible costs less over the year.
- The family-doctor model cuts the premium if you already have your regular doctor.
Source: Federal Office of Public Health (FOPH), official premiums. 2026.