Health insurance St. Gallen 2026
The official premiums for canton St. Gallen: 25 active insurers, 75 municipalities. Pick your municipality to see your exact prices.
The lowest premium
CHF 401.60 per month
Agrisano — AGRIsmart
Adult, CHF 300 deductible, accident cover included.
Gap to the most expensive insurer: CHF 3'172 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 +62.6 % over 11 years, or CHF 1'855 more per year.
| Year | Lowest premium | Change |
|---|---|---|
| 2015 | CHF 247.00 | — |
| 2016 | CHF 257.00 | +4.0 % |
| 2017 | CHF 292.90 | +14.0 % |
| 2018 | CHF 311.00 | +6.2 % |
| 2019 | CHF 331.20 | +6.5 % |
| 2020 | CHF 333.50 | +0.7 % |
| 2021 | CHF 331.20 | −0.7 % |
| 2022 | CHF 332.90 | +0.5 % |
| 2023 | CHF 343.90 | +3.3 % |
| 2024 | CHF 366.90 | +6.7 % |
| 2025 | CHF 381.60 | +4.0 % |
| 2026 | CHF 401.60 | +5.2 % |
Source: FOPH archives, one file per year. The amounts are those actually in force, not a retrospective estimate.
Insurers available in St. GallenRegion 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 | SanitasCheapest | CHF 479.65 |
| 2 | Vivao Sympany | CHF 479.70 |
| 3 | sana24 | CHF 482.70 |
| 4 | SWICA | CHF 482.90 |
| 5 | Helsana | CHF 483.60 |
| 6 | Agrisano | CHF 485.40 |
| 7 | ÖKK | CHF 485.80 |
| 8 | CONCORDIA | CHF 486.70 |
| 9 | KPT | CHF 487.30 |
| 10 | Atupri | CHF 489.30 |
| 11 | CSS | CHF 491.90 |
| 12 | Assura-Basis | CHF 492.20 |
| 13 | Aquilana | CHF 493.10 |
| 14 | Galenos | CHF 498.00 |
| 15 | Avenir | CHF 501.50 |
| 16 | rhenusana | CHF 505.60 |
| 17 | EGK | CHF 508.20 |
| 18 | Sumiswalder | CHF 510.90 |
| 19 | Mutuel | CHF 527.60 |
| 20 | Visana | CHF 541.30 |
| 21 | vita surselva | CHF 550.00 |
| 22 | Glarner | CHF 551.40 |
| 23 | SLKK | CHF 569.40 |
| 24 | Philos | CHF 569.40 |
| 25 | Einsiedler | CHF 591.20 |
Insurers available in St. GallenRegion 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 419.60 |
| 2 | Atupri | CHF 443.90 |
| 3 | CSS | CHF 444.40 |
| 4 | KPT | CHF 448.50 |
| 5 | SWICA | CHF 450.10 |
| 6 | ÖKK | CHF 455.90 |
| 7 | CONCORDIA | CHF 456.00 |
| 8 | Aquilana | CHF 457.10 |
| 9 | Sanitas | CHF 457.30 |
| 10 | EGK | CHF 457.80 |
| 11 | Assura-Basis | CHF 458.00 |
| 12 | Helsana | CHF 458.60 |
| 13 | Galenos | CHF 459.00 |
| 14 | sana24 | CHF 466.50 |
| 15 | rhenusana | CHF 471.10 |
| 16 | Sumiswalder | CHF 474.50 |
| 17 | Vivao Sympany | CHF 479.70 |
| 18 | Avenir | CHF 486.50 |
| 19 | Mutuel | CHF 490.70 |
| 20 | vita surselva | CHF 506.00 |
| 21 | Glarner | CHF 511.10 |
| 22 | SLKK | CHF 512.50 |
| 23 | Visana | CHF 514.30 |
| 24 | Philos | CHF 518.20 |
| 25 | Einsiedler | CHF 547.95 |
Insurers available in St. GallenRegion 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 401.60 |
| 2 | SWICA | CHF 431.30 |
| 3 | KPT | CHF 431.80 |
| 4 | Galenos | CHF 434.40 |
| 5 | Assura-Basis | CHF 435.10 |
| 6 | CONCORDIA | CHF 441.10 |
| 7 | Helsana | CHF 441.80 |
| 8 | Atupri | CHF 443.10 |
| 9 | sana24 | CHF 444.80 |
| 10 | Sanitas | CHF 445.80 |
| 11 | CSS | CHF 446.30 |
| 12 | ÖKK | CHF 447.10 |
| 13 | Aquilana | CHF 447.80 |
| 14 | Vivao Sympany | CHF 448.90 |
| 15 | EGK | CHF 454.50 |
| 16 | Sumiswalder | CHF 455.00 |
| 17 | rhenusana | CHF 457.10 |
| 18 | Mutuel | CHF 464.30 |
| 19 | vita surselva | CHF 465.50 |
| 20 | Avenir | CHF 471.40 |
| 21 | Glarner | CHF 490.50 |
| 22 | Visana | CHF 505.00 |
| 23 | SLKK | CHF 506.80 |
| 24 | Philos | CHF 512.50 |
| 25 | Einsiedler | CHF 525.95 |
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 St. Gallen
75 municipalities, each with its official premiums.
- Altstätten
- Amden
- Andwil (SG)
- Au (SG)
- Bad Ragaz
- Balgach
- Benken (SG)
- Berg (SG)
- Berneck
- Buchs (SG)
- Bütschwil-Ganterschwil
- Degersheim
- Diepoldsau
- Ebnat-Kappel
- Eggersriet
- Eichberg
- Eschenbach (SG)
- Flawil
- Flums
- Gaiserwald
- Gams
- Goldach
- Gommiswald
- Gossau (SG)
- Grabs
- Häggenschwil
- Jonschwil
- Kaltbrunn
- Kirchberg (SG)
- Lichtensteig
- Lütisburg
- Marbach (SG)
- Mels
- Mosnang
- Muolen
- Mörschwil
- Neckertal
- Nesslau
- Niederbüren
- Niederhelfenschwil
- Oberbüren
- Oberriet (SG)
- Oberuzwil
- Pfäfers
- Quarten
- Rapperswil-Jona
- Rebstein
- Rheineck
- Rorschach
- Rorschacherberg
- Rüthi (SG)
- Sargans
- Schmerikon
- Schänis
- Sennwald
- Sevelen
- St. Gallen
- St. Margrethen
- Steinach
- Thal
- Tübach
- Untereggen
- Uznach
- Uzwil
- Vilters-Wangs
- Waldkirch
- Walenstadt
- Wartau
- Wattwil
- Weesen
- Widnau
- Wil (SG)
- Wildhaus-Alt St. Johann
- Wittenbach
- Zuzwil (SG)
The other cantons
Why the premium is what it is here
Care reimbursed by basic insurance costs CHF 4'279 per insured person per year in St. Gallen.
The Swiss average is CHF 4'834.
St. Gallen is the 18th 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 +28.7 % 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.