CareMed or HMO — Aargau
Aargau: with Atupri, CareMed costs CHF 478.80 a month in 2026 and HMO CHF 477.70, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
HMO is the cheaper of the two here: CHF 13.20 saved per year against CareMed, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
CareMed is a "Family doctor" model. HMO is a "Group practice (HMO)" model.
The price at every deductible
| Deductible | CareMed | HMO | Gap per year |
|---|---|---|---|
| 300 | CHF 478.80 | CHF 477.70 | CHF 13.20 |
| 500 | CHF 467.20 | CHF 466.10 | CHF 13.20 |
| 1'000 | CHF 438.00 | CHF 436.90 | CHF 13.20 |
| 1'500 | CHF 408.80 | CHF 407.70 | CHF 13.20 |
| 2'000 | CHF 379.70 | CHF 378.60 | CHF 13.20 |
| 2'500 | CHF 350.50 | CHF 349.40 | CHF 13.20 |
The comparison, region by region
- CareMed or HMO?
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.