Health insurance in your first job
First salary, first budget, and a premium that jumps at 26. That step can be prepared for.
The household priced
- 1 × Young professionalyoung adult · Deductible CHF 2'500 · accident suspended
The most affordable canton is Zug, at CHF 142.30 a month for this household.
The most expensive is Geneva, at CHF 294.60 a month — for exactly the same cover.
From eight weekly working hours with the same employer, the LAA covers you for accidents, including in your free time. Keeping accident cover in your health insurance then means paying twice. The second point is calendar-based: on the 1 January following your 26th birthday you move to the adult rate, and the rise has nothing to do with inflation.
What it costs, canton by canton
| Canton | Cheapest | Average premium | Gap over the year | Cheapest insurer |
|---|---|---|---|---|
| Zug | CHF 142.30 | CHF 168.02 | CHF 309 | Agrisano |
| Appenzell Innerrhoden | CHF 143.60 | CHF 183.93 | CHF 484 | CSS |
| Uri | CHF 159.90 | CHF 209.49 | CHF 595 | Agrisano |
| Obwalden | CHF 162.50 | CHF 209.56 | CHF 565 | Agrisano |
| Nidwalden | CHF 163.60 | CHF 206.12 | CHF 510 | Agrisano |
| Lucerne | CHF 170.30 | CHF 232.59 | CHF 747 | CSS |
| St. Gallen | CHF 171.20 | CHF 236.21 | CHF 780 | CSS |
| Schwyz | CHF 172.20 | CHF 222.67 | CHF 606 | CSS |
| Grisons | CHF 176.20 | CHF 236.80 | CHF 727 | Sanitas |
| Valais | CHF 177.00 | CHF 244.97 | CHF 816 | Agrisano |
| Appenzell Ausserrhoden | CHF 181.20 | CHF 235.46 | CHF 651 | Agrisano |
| Zurich | CHF 183.30 | CHF 265.43 | CHF 986 | Assura-Basis |
| Glarus | CHF 184.50 | CHF 234.11 | CHF 595 | Visana |
| Bern | CHF 193.10 | CHF 279.43 | CHF 1'036 | Visana |
| Thurgau | CHF 193.10 | CHF 237.31 | CHF 531 | Agrisano |
| Schaffhausen | CHF 196.00 | CHF 256.14 | CHF 722 | Agrisano |
| Fribourg | CHF 197.20 | CHF 265.38 | CHF 818 | CSS |
| Aargau | CHF 197.70 | CHF 251.60 | CHF 647 | CSS |
| Solothurn | CHF 211.00 | CHF 268.36 | CHF 688 | Assura-Basis |
| Basel-Landschaft | CHF 214.20 | CHF 302.82 | CHF 1'063 | Assura-Basis |
| Jura | CHF 244.30 | CHF 321.64 | CHF 928 | EGK |
| Vaud | CHF 253.20 | CHF 320.06 | CHF 802 | Philos |
| Ticino | CHF 255.00 | CHF 347.29 | CHF 1'107 | CSS |
| Neuchâtel | CHF 267.05 | CHF 340.90 | CHF 886 | Sanitas |
| Basel-Stadt | CHF 271.70 | CHF 337.72 | CHF 792 | CSS |
| Geneva | CHF 294.60 | CHF 368.74 | CHF 890 | Mutuel |
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
- 1Have accident cover suspended from your first contract of more than eight hours a week.
- 2Anticipate the move to the adult rate: that is the moment to compare, not to absorb the new premium.
- 3When a job ends, the LAA stops after thirty days: reactivate accident cover or take out an extension agreement.
The other situations
2026 · OFSP / priminfo.admin.ch