CSS in canton Bern: twelve years of premiums
In canton Bern, the lowest CSS premium went from CHF 375.20 a month in 2015 to CHF 497.00 in 2026 — a rise of +32.5 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 375.20 | CHF 298.10 | CHF 77.10 |
| 2016 | CHF 404.20 | CHF 319.60 | CHF 84.60 |
| 2017 | CHF 399.20 | CHF 334.70 | CHF 64.50 |
| 2018 | CHF 401.70 | CHF 343.80 | CHF 57.90 |
| 2019 | CHF 406.60 | CHF 363.50 | CHF 43.10 |
| 2020 | CHF 408.90 | CHF 371.20 | CHF 37.70 |
| 2021 | CHF 408.90 | CHF 368.50 | CHF 40.40 |
| 2022 | CHF 407.20 | CHF 369.00 | CHF 38.20 |
| 2023 | CHF 396.50 | CHF 376.00 | CHF 20.50 |
| 2024 | CHF 426.00 | CHF 403.20 | CHF 22.80 |
| 2025 | CHF 461.20 | CHF 421.30 | CHF 39.90 |
| 2026 | CHF 497.00 | CHF 447.50 | CHF 49.50 |
Faster or slower than the rest?
CSS rose +32.5 % over the period, against +50.1 % for the cheapest insurer in the same place. The gap narrowed — which does not mean this insurer is the cheapest today, only that it climbed more slowly.
The year that hurt — The steepest year-on-year jump was 2025: +8.3 % in one go. The premium did not move in 2021.
Figures for an adult, CHF 300 deductible, accident cover included — the only profile defined identically across all twelve years. Each year this is the lowest premium the insurer offered, all models combined.
Bern, canton by canton
CSS, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.