CSS — Region 1, Lucerne: twelve years of premiums
Region 1, Lucerne: the lowest CSS premium went from CHF 316.70 a month in 2015 to CHF 473.80 in 2026 — a rise of +49.6 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 316.70 | CHF 266.20 | CHF 50.50 |
| 2016 | CHF 345.20 | CHF 288.00 | CHF 57.20 |
| 2017 | CHF 351.00 | CHF 317.90 | CHF 33.10 |
| 2018 | CHF 361.90 | CHF 350.40 | CHF 11.50 |
| 2019 | CHF 380.50 | CHF 361.20 | CHF 19.30 |
| 2020 | CHF 381.70 | CHF 354.40 | CHF 27.30 |
| 2021 | CHF 379.10 | CHF 361.50 | CHF 17.60 |
| 2022 | CHF 373.20 | CHF 358.50 | CHF 14.70 |
| 2023 | CHF 397.30 | CHF 369.25 | CHF 28.05 |
| 2024 | CHF 427.70 | CHF 410.95 | CHF 16.75 |
| 2025 | CHF 462.80 | CHF 428.40 | CHF 34.40 |
| 2026 | CHF 473.80 | CHF 451.60 | CHF 22.20 |
Faster or slower than the rest?
CSS rose +49.6 % over the period, against +69.7 % 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 2016: +9.0 % 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.
CSS, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.