HMO or MyDoc — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with CONCORDIA, HMO costs CHF 456.20 a month in 2026 and MyDoc CHF 469.20, 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 156.00 saved per year against MyDoc, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
HMO is a "Group practice (HMO)" model. MyDoc is a "Family doctor" model.
The price at every deductible
| Deductible | HMO | MyDoc | Gap per year |
|---|---|---|---|
| 300 | CHF 456.20 | CHF 469.20 | CHF 156.00 |
| 500 | CHF 444.60 | CHF 457.60 | CHF 156.00 |
| 1'000 | CHF 415.40 | CHF 428.40 | CHF 156.00 |
| 1'500 | CHF 386.20 | CHF 399.20 | CHF 156.00 |
| 2'000 | CHF 357.10 | CHF 370.10 | CHF 156.00 |
| 2'500 | CHF 327.90 | CHF 340.90 | CHF 156.00 |
The comparison, region by region
- HMO or MyDoc?
- Aargau
- Appenzell Innerrhoden
- 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
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- 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
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.