CSS in canton Lucerne: twelve years of premiums
In canton Lucerne, the lowest CSS premium went from CHF 278.50 a month in 2015 to CHF 438.60 in 2026 — a rise of +57.5 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 278.50 | CHF 237.10 | CHF 41.40 |
| 2016 | CHF 296.00 | CHF 264.00 | CHF 32.00 |
| 2017 | CHF 308.30 | CHF 285.00 | CHF 23.30 |
| 2018 | CHF 317.90 | CHF 316.30 | CHF 1.60 |
| 2019 | CHF 334.30 | CHF 322.00 | CHF 12.30 |
| 2020 | CHF 334.90 | CHF 312.00 | CHF 22.90 |
| 2021 | CHF 332.40 | CHF 330.60 | CHF 1.80 |
| 2022 | CHF 330.70 | CHF 326.80 | CHF 3.90 |
| 2023 | CHF 352.00 | CHF 336.60 | CHF 15.40 |
| 2024 | CHF 380.00 | CHF 372.90 | CHF 7.10 |
| 2025 | CHF 415.00 | CHF 403.40 | CHF 11.60 |
| 2026 | CHF 438.60 | CHF 414.30 | CHF 24.30 |
Faster or slower than the rest?
CSS rose +57.5 % over the period, against +74.7 % 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: +9.2 % in one go.
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.
Lucerne, canton by canton
CSS, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.