Health insurance Schaffhausen 2026
The official premiums for canton Schaffhausen: 23 active insurers, 26 municipalities. Pick your municipality to see your exact prices.
The lowest premium
CHF 433.80 per month
Agrisano — AGRIsmart
Adult, CHF 300 deductible, accident cover included.
Gap to the most expensive insurer: CHF 2'596 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 +52.9 % over 11 years, or CHF 1'800 more per year.
| Year | Lowest premium | Change |
|---|---|---|
| 2015 | CHF 283.80 | — |
| 2016 | CHF 289.60 | +2.0 % |
| 2017 | CHF 324.80 | +12.2 % |
| 2018 | CHF 324.20 | −0.2 % |
| 2019 | CHF 354.30 | +9.3 % |
| 2020 | CHF 359.30 | +1.4 % |
| 2021 | CHF 339.30 | −5.6 % |
| 2022 | CHF 354.40 | +4.5 % |
| 2023 | CHF 384.60 | +8.5 % |
| 2024 | CHF 383.40 | −0.3 % |
| 2025 | CHF 410.30 | +7.0 % |
| 2026 | CHF 433.80 | +5.7 % |
Source: FOPH archives, one file per year. The amounts are those actually in force, not a retrospective estimate.
Insurers available in SchaffhausenRegion 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 | ÖKKCheapest | CHF 480.30 |
| 2 | Helsana | CHF 486.30 |
| 3 | Aquilana | CHF 491.80 |
| 4 | Assura-Basis | CHF 492.00 |
| 5 | Galenos | CHF 499.90 |
| 6 | Visana | CHF 500.80 |
| 7 | CONCORDIA | CHF 502.30 |
| 8 | KPT | CHF 503.60 |
| 9 | Agrisano | CHF 504.30 |
| 10 | Vivao Sympany | CHF 506.00 |
| 11 | SWICA | CHF 511.00 |
| 12 | Atupri | CHF 516.10 |
| 13 | EGK | CHF 517.00 |
| 14 | Sumiswalder | CHF 521.10 |
| 15 | Sanitas | CHF 522.70 |
| 16 | SLKK | CHF 530.70 |
| 17 | Philos | CHF 532.70 |
| 18 | CSS | CHF 535.10 |
| 19 | sana24 | CHF 540.60 |
| 20 | rhenusana | CHF 542.30 |
| 21 | Mutuel | CHF 555.20 |
| 22 | Avenir | CHF 568.90 |
| 23 | vita surselva | CHF 594.00 |
Insurers available in SchaffhausenRegion 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 433.80 |
| 2 | ÖKK | CHF 448.10 |
| 3 | Assura-Basis | CHF 452.60 |
| 4 | Visana | CHF 455.20 |
| 5 | Aquilana | CHF 459.80 |
| 6 | KPT | CHF 469.00 |
| 7 | CONCORDIA | CHF 469.60 |
| 8 | SWICA | CHF 470.30 |
| 9 | Galenos | CHF 470.90 |
| 10 | Sanitas | CHF 484.35 |
| 11 | EGK | CHF 486.80 |
| 12 | Sumiswalder | CHF 487.40 |
| 13 | SLKK | CHF 488.30 |
| 14 | Helsana | CHF 491.30 |
| 15 | Vivao Sympany | CHF 498.10 |
| 16 | sana24 | CHF 499.30 |
| 17 | Philos | CHF 500.80 |
| 18 | rhenusana | CHF 504.30 |
| 19 | CSS | CHF 514.50 |
| 20 | Atupri | CHF 516.10 |
| 21 | Mutuel | CHF 527.50 |
| 22 | Avenir | CHF 534.80 |
| 23 | vita surselva | CHF 564.30 |
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 Schaffhausen
26 municipalities, each with its official premiums.
The other cantons
Why the premium is what it is here
Care reimbursed by basic insurance costs CHF 4'911 per insured person per year in Schaffhausen.
The Swiss average is CHF 4'834.
Schaffhausen is the 8th 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 +36.9 % 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.