Health insurance Lucerne 2026
The official premiums for canton Lucerne: 25 active insurers, 79 municipalities. Pick your municipality to see your exact prices.
The lowest premium
CHF 414.30 per month
Agrisano — AGRIsmart
Adult, CHF 300 deductible, accident cover included.
Gap to the most expensive insurer: CHF 2'716 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 2'126 more per year.
| Year | Lowest premium | Change |
|---|---|---|
| 2015 | CHF 237.10 | — |
| 2016 | CHF 264.00 | +11.3 % |
| 2017 | CHF 285.00 | +8.0 % |
| 2018 | CHF 316.30 | +11.0 % |
| 2019 | CHF 322.00 | +1.8 % |
| 2020 | CHF 312.00 | −3.1 % |
| 2021 | CHF 330.60 | +6.0 % |
| 2022 | CHF 326.80 | −1.1 % |
| 2023 | CHF 336.60 | +3.0 % |
| 2024 | CHF 372.90 | +10.8 % |
| 2025 | CHF 403.40 | +8.2 % |
| 2026 | CHF 414.30 | +2.7 % |
Source: FOPH archives, one file per year. The amounts are those actually in force, not a retrospective estimate.
Insurers available in LucerneRegion 1
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 | AtupriCheapest | CHF 451.60 |
| 2 | Sanitas | CHF 461.60 |
| 3 | Vivao Sympany | CHF 465.50 |
| 4 | Helsana | CHF 472.00 |
| 5 | Luzerner Hinterland | CHF 472.40 |
| 6 | CSS | CHF 473.80 |
| 7 | Avenir | CHF 475.40 |
| 8 | CONCORDIA | CHF 476.00 |
| 9 | Assura-Basis | CHF 478.80 |
| 10 | ÖKK | CHF 481.40 |
| 11 | sana24 | CHF 484.50 |
| 12 | EGK | CHF 491.60 |
| 13 | Galenos | CHF 495.30 |
| 14 | Agrisano | CHF 496.20 |
| 15 | SWICA | CHF 496.70 |
| 16 | KPT | CHF 498.70 |
| 17 | Aquilana | CHF 500.60 |
| 18 | Sumiswalder | CHF 504.50 |
| 19 | SLKK | CHF 508.90 |
| 20 | Philos | CHF 510.70 |
| 21 | Visana | CHF 529.70 |
| 22 | vita surselva | CHF 543.40 |
| 23 | rhenusana | CHF 547.90 |
| 24 | Mutuel | CHF 560.60 |
| 25 | Einsiedler | CHF 575.25 |
Insurers available in LucerneRegion 2
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 425.70 |
| 2 | Luzerner Hinterland | CHF 440.45 |
| 3 | CSS | CHF 441.70 |
| 4 | Sanitas | CHF 443.60 |
| 5 | sana24 | CHF 445.10 |
| 6 | Vivao Sympany | CHF 445.50 |
| 7 | KPT | CHF 446.90 |
| 8 | CONCORDIA | CHF 447.40 |
| 9 | EGK | CHF 451.20 |
| 10 | Atupri | CHF 455.70 |
| 11 | Avenir | CHF 456.40 |
| 12 | Assura-Basis | CHF 456.60 |
| 13 | SLKK | CHF 458.00 |
| 14 | ÖKK | CHF 458.50 |
| 15 | Helsana | CHF 458.60 |
| 16 | Galenos | CHF 464.50 |
| 17 | Sumiswalder | CHF 464.60 |
| 18 | Aquilana | CHF 468.20 |
| 19 | SWICA | CHF 476.60 |
| 20 | Philos | CHF 485.20 |
| 21 | Visana | CHF 485.30 |
| 22 | rhenusana | CHF 498.60 |
| 23 | vita surselva | CHF 505.40 |
| 24 | Einsiedler | CHF 512.75 |
| 25 | Mutuel | CHF 526.90 |
Insurers available in LucerneRegion 3
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 414.30 |
| 2 | Luzerner Hinterland | CHF 425.65 |
| 3 | Sanitas | CHF 429.50 |
| 4 | KPT | CHF 430.10 |
| 5 | Vivao Sympany | CHF 431.20 |
| 6 | sana24 | CHF 432.00 |
| 7 | CONCORDIA | CHF 435.20 |
| 8 | SWICA | CHF 437.40 |
| 9 | CSS | CHF 438.60 |
| 10 | Atupri | CHF 440.20 |
| 11 | Assura-Basis | CHF 440.20 |
| 12 | SLKK | CHF 442.70 |
| 13 | EGK | CHF 445.80 |
| 14 | ÖKK | CHF 446.20 |
| 15 | Galenos | CHF 446.30 |
| 16 | Avenir | CHF 446.90 |
| 17 | Sumiswalder | CHF 449.70 |
| 18 | Helsana | CHF 450.20 |
| 19 | Aquilana | CHF 451.00 |
| 20 | Philos | CHF 467.30 |
| 21 | rhenusana | CHF 476.10 |
| 22 | Visana | CHF 485.30 |
| 23 | vita surselva | CHF 486.40 |
| 24 | Einsiedler | CHF 512.75 |
| 25 | Mutuel | CHF 521.30 |
Premium regions
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.
Every municipality in Lucerne
79 municipalities, each with its official premiums.
- Adligenswil
- Aesch (LU)
- Alberswil
- Altbüron
- Altishofen
- Ballwil
- Beromünster
- Buchrain
- Buttisholz
- Büron
- Dagmersellen
- Dierikon
- Doppleschwand
- Ebikon
- Egolzwil
- Eich
- Emmen
- Entlebuch
- Ermensee
- Eschenbach (LU)
- Escholzmatt-Marbach
- Ettiswil
- Fischbach
- Flühli
- Geuensee
- Gisikon
- Greppen
- Grossdietwil
- Grosswangen
- Hasle (LU)
- Hergiswil bei Willisau
- Hildisrieden
- Hitzkirch
- Hochdorf
- Hohenrain
- Horw
- Inwil
- Knutwil
- Kriens
- Luthern
- Luzern
- Malters
- Mauensee
- Meggen
- Meierskappel
- Menznau
- Nebikon
- Neuenkirch
- Nottwil
- Oberkirch
- Pfaffnau
- Rain
- Reiden
- Rickenbach (LU)
- Roggliswil
- Romoos
- Root
- Rothenburg
- Ruswil
- Römerswil
- Schenkon
- Schlierbach
- Schongau
- Schwarzenberg
- Schötz
- Schüpfheim
- Sempach
- Sursee
- Triengen
- Udligenswil
- Ufhusen
- Vitznau
- Wauwil
- Weggis
- Werthenstein
- Wikon
- Willisau
- Wolhusen
- Zell (LU)
The other cantons
Why the premium is what it is here
Care reimbursed by basic insurance costs CHF 4'116 per insured person per year in Lucerne.
The Swiss average is CHF 4'834.
Lucerne is the 21th 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 +25.0 % 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.