CSS — Region 2, St. Gallen: twelve years of premiums
Region 2, 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 this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 295.60 | CHF 258.70 | CHF 36.90 |
| 2016 | CHF 322.40 | CHF 269.60 | CHF 52.80 |
| 2017 | CHF 337.80 | CHF 309.60 | CHF 28.20 |
| 2018 | CHF 351.90 | CHF 327.40 | CHF 24.50 |
| 2019 | CHF 361.20 | CHF 339.70 | CHF 21.50 |
| 2020 | CHF 365.40 | CHF 349.90 | CHF 15.50 |
| 2021 | CHF 362.00 | CHF 348.60 | CHF 13.40 |
| 2022 | CHF 357.00 | CHF 346.90 | CHF 10.10 |
| 2023 | CHF 376.30 | CHF 371.70 | CHF 4.60 |
| 2024 | CHF 405.90 | CHF 379.80 | CHF 26.10 |
| 2025 | CHF 438.60 | CHF 398.70 | CHF 39.90 |
| 2026 | CHF 444.40 | CHF 419.60 | CHF 24.80 |
Faster or slower than the rest?
CSS rose +50.3 % over the period, against +62.2 % 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: +9.1 % 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.