Health insurance Appenzell Ausserrhoden 2026
The official premiums for canton Appenzell Ausserrhoden: 23 active insurers, 20 municipalities. Pick your municipality to see your exact prices.
The lowest premium
CHF 412.30 per month
Agrisano — AGRIsmart
Adult, CHF 300 deductible, accident cover included.
Gap to the most expensive insurer: CHF 2'879 per year.
How the premium has moved
The zone’s lowest premium, year by year since 2015. The same profile every time: adult, CHF 300 deductible, accident included — otherwise the comparison would mean nothing.
That is +74.7 % over 11 years, or CHF 2'116 more per year.
| Year | Lowest premium | Change |
|---|---|---|
| 2015 | CHF 236.00 | — |
| 2016 | CHF 266.80 | +13.1 % |
| 2017 | CHF 288.70 | +8.2 % |
| 2018 | CHF 302.10 | +4.6 % |
| 2019 | CHF 320.40 | +6.1 % |
| 2020 | CHF 339.10 | +5.8 % |
| 2021 | CHF 336.80 | −0.7 % |
| 2022 | CHF 345.20 | +2.5 % |
| 2023 | CHF 341.20 | −1.2 % |
| 2024 | CHF 373.20 | +9.4 % |
| 2025 | CHF 395.60 | +6.0 % |
| 2026 | CHF 412.30 | +4.2 % |
Source: FOPH archives, one file per year. The amounts are those actually in force, not a retrospective estimate.
Insurers available in Appenzell Ausserrhoden
Each insurer’s lowest premium, adult, CHF 300 deductible, accident included. Every insurer is listed, with no exception and no paid placement.
| # | Insurer | From |
|---|---|---|
| 1 | AgrisanoCheapest | CHF 412.30 |
| 2 | ÖKK | CHF 436.80 |
| 3 | KPT | CHF 444.00 |
| 4 | EGK | CHF 447.90 |
| 5 | Sanitas | CHF 448.65 |
| 6 | SWICA | CHF 454.60 |
| 7 | Aquilana | CHF 456.10 |
| 8 | CONCORDIA | CHF 456.20 |
| 9 | Vivao Sympany | CHF 459.40 |
| 10 | rhenusana | CHF 462.60 |
| 11 | Assura-Basis | CHF 462.60 |
| 12 | Helsana | CHF 468.30 |
| 13 | sana24 | CHF 471.20 |
| 14 | Sumiswalder | CHF 471.80 |
| 15 | Visana | CHF 472.40 |
| 16 | CSS | CHF 475.20 |
| 17 | Galenos | CHF 488.40 |
| 18 | vita surselva | CHF 489.00 |
| 19 | Avenir | CHF 498.40 |
| 20 | Philos | CHF 525.40 |
| 21 | SLKK | CHF 535.00 |
| 22 | Mutuel | CHF 558.50 |
| 23 | Atupri | CHF 573.90 |
Every municipality in Appenzell Ausserrhoden
20 municipalities, each with its official premiums.
The other cantons
Why the premium is what it is here
Care reimbursed by basic insurance costs CHF 4'258 per insured person per year in Appenzell Ausserrhoden.
The Swiss average is CHF 4'834.
Appenzell Ausserrhoden is the 19th most expensive canton for healthcare costs out of 26. The premium follows from that: no insurer can durably charge less than it reimburses.
These costs have changed by +29.8 % since 2016 in this canton, against +28.4 % for the Swiss average.
Across the 26 cantons, the cost of care explains 88.5 % of the premium gap. In other words: much of the difference with the neighbouring canton cannot be recovered by switching insurer.
Gross benefits per insured person, twelve-month rolling average. Source: FOPH cost monitoring (MOKKE).
The other years
The archive goes back to 2015, year by year.