Premium observatory 2026
Figures computed on the official FOPH data for 2026 and published to be quoted: the gap between regions of the same canton, the 11-year rise canton by canton, and the raw data as CSV.
Reference profile: adult, CHF 300 deductible, accident cover included, standard model.
Key figures
- 42
- premium regions
- CHF 385.80
- lowest premium in Switzerland
- CHF 686.70
- most expensive of the lowest premiums
- CHF 1'400.40
- largest annual gap inside one canton (Zurich)
- +65.4 %
- median rise per canton, 2015 → 2026
- 34
- caisses
The gap inside a single canton
Eleven cantons split their territory into several premium regions. Two households under the same canton, the same insurers and the same system pay different amounts depending on their municipality. Here is what the wrong side of the border costs.
| Canton | Regions | Cheapest region | Most expensive region | Annual gap |
|---|---|---|---|---|
| Zurich | 3 | CHF 488.50 | CHF 605.20 | CHF 1'400.40 |
| Bern | 3 | CHF 520.40 | CHF 631.00 | CHF 1'327.20 |
| Valais | 2 | CHF 470.90 | CHF 544.40 | CHF 882.00 |
| Grisons | 3 | CHF 426.00 | CHF 499.00 | CHF 876.00 |
| St. Gallen | 3 | CHF 467.00 | CHF 536.40 | CHF 832.80 |
| Basel-Landschaft | 2 | CHF 575.30 | CHF 630.00 | CHF 656.40 |
| Fribourg | 2 | CHF 523.30 | CHF 577.00 | CHF 644.40 |
| Ticino | 2 | CHF 626.70 | CHF 679.00 | CHF 627.60 |
| Lucerne | 3 | CHF 452.80 | CHF 502.55 | CHF 597.00 |
| Schaffhausen | 2 | CHF 504.40 | CHF 552.00 | CHF 571.20 |
| Vaud | 2 | CHF 601.70 | CHF 647.80 | CHF 553.20 |
The gap is computed on the lowest premium available in each region: it measures the floor, not the average. In practice a household often pays more.
The rise by canton, 2015 → 2026
Change in the lowest premium, averaged over the regions of each canton. The ranking shows how unevenly the rise falls across cantons — rarely reported, since only the national figure is quoted.
| Canton | Premium 2015 | Premium 2026 | Rise |
|---|---|---|---|
| Ticino | CHF 290.95 | CHF 561.45 | +93 % |
| Aargau | CHF 250.40 | CHF 453.80 | +81.2 % |
| Appenzell Ausserrhoden | CHF 236.00 | CHF 412.30 | +74.7 % |
| Valais | CHF 256.20 | CHF 443.75 | +73.2 % |
| Neuchâtel | CHF 320.80 | CHF 554.20 | +72.8 % |
| Lucerne | CHF 249.93 | CHF 430.53 | +72.3 % |
| Grisons | CHF 247.43 | CHF 425.43 | +71.9 % |
| Zurich | CHF 275.57 | CHF 471.13 | +71 % |
| Geneva | CHF 357.90 | CHF 604.30 | +68.8 % |
| Solothurn | CHF 288.10 | CHF 486.20 | +68.8 % |
| Basel-Landschaft | CHF 314.20 | CHF 526.55 | +67.6 % |
| Jura | CHF 327.10 | CHF 543.10 | +66 % |
| Nidwalden | CHF 233.00 | CHF 385.40 | +65.4 % |
| St. Gallen | CHF 262.47 | CHF 433.62 | +65.2 % |
| Vaud | CHF 336.05 | CHF 553.70 | +64.8 % |
| Fribourg | CHF 294.30 | CHF 475.55 | +61.6 % |
| Obwalden | CHF 237.90 | CHF 382.80 | +60.9 % |
| Glarus | CHF 272.80 | CHF 433.20 | +58.8 % |
| Schaffhausen | CHF 292.05 | CHF 457.05 | +56.5 % |
| Basel-Stadt | CHF 370.80 | CHF 575.90 | +55.3 % |
| Thurgau | CHF 276.90 | CHF 429.70 | +55.2 % |
| Bern | CHF 323.63 | CHF 493.73 | +52.6 % |
| Appenzell Innerrhoden | CHF 236.30 | CHF 353.50 | +49.6 % |
| Schwyz | CHF 273.60 | CHF 400.20 | +46.3 % |
| Uri | CHF 259.30 | CHF 376.60 | +45.2 % |
| Zug | CHF 267.80 | CHF 335.10 | +25.1 % |
Reuse this data
The full set is published as CSV, with its provenance in the header. Free reuse with attribution.
Method
- Source: official FOPH files published on opendata.swiss, reproduced unchanged.
- A premium belongs to the (canton, premium region) pair, not to a municipality: aggregates are computed per region.
- The FOPH codes ZE and ZR, which denote insured people living abroad, are excluded: they are not cantons.
- No value is estimated, extrapolated or filled in.