Health insurance Neuchâtel 2026
The official premiums for canton Neuchâtel: 21 active insurers, 24 municipalities. Pick your municipality to see your exact prices.
The lowest premium
CHF 554.20 per month
Visana — VIVA – Gesundheitsplan
Adult, CHF 300 deductible, accident cover included.
Gap to the most expensive insurer: CHF 2'878 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 +72.8 % over 11 years, or CHF 2'801 more per year.
| Year | Lowest premium | Change |
|---|---|---|
| 2015 | CHF 320.80 | — |
| 2016 | CHF 364.60 | +13.7 % |
| 2017 | CHF 395.90 | +8.6 % |
| 2018 | CHF 406.80 | +2.8 % |
| 2019 | CHF 425.20 | +4.5 % |
| 2020 | CHF 439.80 | +3.4 % |
| 2021 | CHF 448.50 | +2.0 % |
| 2022 | CHF 446.50 | −0.4 % |
| 2023 | CHF 482.20 | +8.0 % |
| 2024 | CHF 525.40 | +9.0 % |
| 2025 | CHF 523.10 | −0.4 % |
| 2026 | CHF 554.20 | +5.9 % |
Source: FOPH archives, one file per year. The amounts are those actually in force, not a retrospective estimate.
Insurers available in Neuchâtel
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 | VisanaCheapest | CHF 554.20 |
| 2 | SWICA | CHF 562.20 |
| 3 | Helsana | CHF 568.40 |
| 4 | Assura-Basis | CHF 569.30 |
| 5 | Sanitas | CHF 576.60 |
| 6 | Agrisano | CHF 579.90 |
| 7 | Atupri | CHF 583.80 |
| 8 | Galenos | CHF 587.30 |
| 9 | Avenir | CHF 592.90 |
| 10 | CSS | CHF 594.20 |
| 11 | Aquilana | CHF 597.10 |
| 12 | sana24 | CHF 606.00 |
| 13 | ÖKK | CHF 607.50 |
| 14 | CONCORDIA | CHF 608.90 |
| 15 | EGK | CHF 623.00 |
| 16 | Mutuel | CHF 624.00 |
| 17 | Philos | CHF 626.40 |
| 18 | KPT | CHF 644.50 |
| 19 | Vivao Sympany | CHF 690.80 |
| 20 | rhenusana | CHF 764.40 |
| 21 | vita surselva | CHF 765.00 |
Every municipality in Neuchâtel
24 municipalities, each with its official premiums.
The other cantons
Why the premium is what it is here
Care reimbursed by basic insurance costs CHF 5'395 per insured person per year in Neuchâtel.
The Swiss average is CHF 4'834.
Neuchâtel is the 5th 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 +33.3 % 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.