Health insurance in Urnäsch 2026

23 insurers offer basic cover in Urnäsch (Appenzell Ausserrhoden). The benefits are identical everywhere — only the price differs.

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.

active insurers

Single region

Compare my exact premiums

Insurers available in Urnäsch

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

Where the municipality sits

Appenzell Ausserrhoden has only one premium region: the lowest premium is the same across the canton, and Urnäsch is no exception.

These amounts apply to all 20 municipalities in the same premium region: a premium is set per zone, never per municipality.

The postcodes of Urnäsch

A postcode can straddle two municipalities in different regions. The municipality determines the premium, not the postcode — hence the list below.

9103 Schwellbrunn
9104 Waldstatt
9107 Urnäsch

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.

The 3 postcodes of this municipality

One postcode can cover several municipalities, and sometimes several premium regions. Each page says so.

9103 Schwellbrunn 9104 Waldstatt 9107 Urnäsch

The municipalities of the Hinterland district

They do not necessarily belong to the same premium region — check yours.

Municipality	Region	Lowest premium	Gap versus here
Urnäsch (here)	Single region	CHF 412.30	—
Herisau	Single region	CHF 412.30	same zone
Hundwil	Single region	CHF 412.30	same zone
Schwellbrunn	Single region	CHF 412.30	same zone
Schönengrund	Single region	CHF 412.30	same zone
Stein (AR)	Single region	CHF 412.30	same zone
Waldstatt	Single region	CHF 412.30	same zone

Single region — Appenzell Ausserrhoden

The FOPH splits some cantons into several premium regions. Two neighbouring municipalities can therefore pay different prices — which is why we never show a cantonal average in place of your prices.

See every municipality — Appenzell Ausserrhoden →

district Hinterland →