CSS — Region 3, St. Gallen: twelve years of premiums
Region 3, St. Gallen: the lowest CSS premium went from CHF 296.80 a month in 2015 to CHF 446.30 in 2026 — a rise of +50.4 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 296.80 | CHF 247.00 | CHF 49.80 |
| 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 446.30 | CHF 401.60 | CHF 44.70 |
Faster or slower than the rest?
CSS rose +50.4 % 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.
CSS, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.