CSS in canton St. Gallen: twelve years of premiums
In canton St. Gallen, the lowest CSS premium went from CHF 295.60 a month in 2015 to CHF 444.40 in 2026 — a rise of +50.3 %. The table below places it next to the canton's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 295.60 | CHF 247.00 | CHF 48.60 |
| 2016 | CHF 315.20 | CHF 257.00 | CHF 58.20 |
| 2017 | CHF 329.60 | CHF 292.90 | CHF 36.70 |
| 2018 | CHF 342.80 | CHF 311.00 | CHF 31.80 |
| 2019 | CHF 352.00 | CHF 331.20 | CHF 20.80 |
| 2020 | CHF 355.30 | CHF 333.50 | CHF 21.80 |
| 2021 | CHF 352.00 | CHF 331.20 | CHF 20.80 |
| 2022 | CHF 346.90 | CHF 332.90 | CHF 14.00 |
| 2023 | CHF 364.60 | CHF 343.90 | CHF 20.70 |
| 2024 | CHF 393.40 | CHF 366.90 | CHF 26.50 |
| 2025 | CHF 426.70 | CHF 381.60 | CHF 45.10 |
| 2026 | CHF 444.40 | CHF 401.60 | CHF 42.80 |
Faster or slower than the rest?
CSS rose +50.3 % over the period, against +62.6 % 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: +8.5 % 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.
St. Gallen, canton by canton
CSS, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.