Health insurance in your first job — Region 1 of canton Schaffhausen
For this household of 1 in Region 1 of canton Schaffhausen, the lowest bill is CHF 224.00 a month. Here is the breakdown.
The household total
CHF 224.00 a month, or CHF 2'688.00 a year, each person with the insurer that is cheapest for them.
At the market average the same household would pay CHF 267.34 a month. The gap is CHF 520.08 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 CSS, at CHF 224.00 a month.
The breakdown, person by person
One person aged 19 to 25, CHF 2,500 deductible, accident cover suspended (employer’s LAA).
| Who | Deductible | Lowest premium | Insurer |
|---|---|---|---|
| Young adult — without accident cover | CHF 2'500 | CHF 224.00 | CSS |
Three things to check
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.
- Have accident cover suspended from your first contract of more than eight hours a week.
- Anticipate the move to the adult rate: that is the moment to compare, not to absorb the new premium.
- When a job ends, the LAA stops after thirty days: reactivate accident cover or take out an extension agreement.
Source: Federal Office of Public Health (FOPH), official premiums. 2026.