2027 health insurance premiums: what is known, and when
The 2027 premiums are not published yet. Here is what the FOPH has officially written, when the figures land, and what your canton has paid so far.
The 2027 premiums are not published yet
The FOPH announces them at a press conference. The exchange with the cantons that precedes it is set for 21 September 2026 or 25 September 2026. This page will show the real figures the same day, at the same address.
What the FOPH officially wrote
On 2 June 2026 the Federal Office of Public Health wrote to the cantonal health departments. The letter is public. Three passages say something useful:
« the 2026 combined ratio, which serves as the starting point for the 2027 premiums, stands at almost 101 % »
In other words: in 2026 insurers spend roughly what they take in.
« for the 2027 premiums in Switzerland there is a slight catch-up effect on top of the rise in costs from 2026 to 2027. The premium increase should therefore be slightly above the expected rise in costs »
Insurers expect costs to rise by "a little over 5 %". The FOPH puts no figure on the premium increase — and neither will we.
« Differences may nevertheless exist between cantons and insurers »
The Swiss average says nothing about your bill. Your canton and your insurer do.
The reference point: the 2026 premiums
For 2026 the FOPH announced an average monthly premium of CHF 393.30 and a +4.4 % rise across Switzerland. That is the starting point next year's premiums build on.
- 18–25
- CHF 326.30
- 0–18
- CHF 122.50
- 26+
- CHF 465.30
The 26 cantons, 2026 premiums
| Canton | Cheapest | 2026 change | Insurers | Regions |
|---|---|---|---|---|
| Zug | CHF 335.10 | −7.9 % | 27 | 1 |
| Appenzell Innerrhoden | CHF 353.50 | +2.3 % | 23 | 1 |
| Uri | CHF 376.60 | +6.3 % | 26 | 1 |
| Obwalden | CHF 382.80 | +7.3 % | 26 | 1 |
| Nidwalden | CHF 385.40 | +4.7 % | 26 | 1 |
| Schwyz | CHF 400.20 | +3.2 % | 28 | 1 |
| St. Gallen | CHF 401.60 | +5.2 % | 25 | 3 |
| Grisons | CHF 404.70 | +4.3 % | 24 | 3 |
| Valais | CHF 406.30 | +2.7 % | 28 | 2 |
| Appenzell Ausserrhoden | CHF 412.30 | +4.2 % | 23 | 1 |
| Lucerne | CHF 414.30 | +2.7 % | 25 | 3 |
| Zurich | CHF 427.80 | +7.3 % | 27 | 3 |
| Thurgau | CHF 429.70 | +7.3 % | 23 | 1 |
| Glarus | CHF 433.20 | +9.3 % | 26 | 1 |
| Schaffhausen | CHF 433.80 | +5.7 % | 23 | 2 |
| Bern | CHF 447.50 | +6.2 % | 26 | 3 |
| Fribourg | CHF 450.00 | +6.2 % | 23 | 2 |
| Aargau | CHF 453.80 | +7.3 % | 27 | 1 |
| Solothurn | CHF 486.20 | +9.3 % | 25 | 1 |
| Basel-Landschaft | CHF 494.80 | +2.2 % | 23 | 2 |
| Vaud | CHF 537.30 | +7.1 % | 21 | 2 |
| Ticino | CHF 539.00 | +8.8 % | 21 | 2 |
| Jura | CHF 543.10 | +6.5 % | 21 | 1 |
| Neuchâtel | CHF 554.20 | +5.9 % | 21 | 1 |
| Basel-Stadt | CHF 575.90 | +3.3 % | 23 | 1 |
| Geneva | CHF 604.30 | +3.4 % | 21 | 1 |
Two correct figures that do not say the same thing
The FOPH measures the average premium: +4.4 % for 2026. This site measures the cheapest premium in each canton: cantonal median +5.8 %. The gap is not an error — a cheap insurer arriving in a canton lowers the cheapest premium without anyone paying less. Both measures are shown side by side so you know which one you are reading.
Sources
- OFSP — Approbation des primes 2027 (lettre aux cantons, 2 juin 2026)
- OFSP — Les primes 2026 augmentent de 4,4 % en moyenne (23 septembre 2025)
- Priminfo — année de prime actuelle et fichiers officiels
FOPH letter to the cantonal health departments of 2 June 2026 (ref. 721.1-1/43/14) and FOPH release of 23 September 2025 on the 2026 premiums. The premiums shown come from the official FOPH file. Checked on 25 August 2026.
Where your premium goes
Basic insurance reimburses CHF 4'225 of care per insured person per year. Here is what that sum pays for, item by item — and how each has moved since 2016.
| Item | Per person per year | Share | Since 2016 |
|---|---|---|---|
| Doctors (outpatient) | CHF 872 | 20.6 % | +37.6 % |
| Hospital (inpatient) | CHF 860 | 20.4 % | +4.1 % |
| Hospital (outpatient) | CHF 685 | 16.2 % | +14.5 % |
| Medicines at the doctor | CHF 520 | 12.3 % | +23.4 % |
| Pharmacies | CHF 267 | 6.3 % | +95.1 % |
| Nursing homes | CHF 226 | 5.4 % | +30.3 % |
| Other | CHF 182 | 4.3 % | +38.1 % |
| Home care | CHF 146 | 3.5 % | +88.0 % |
| Physiotherapy | CHF 140 | 3.3 % | +44.5 % |
| Laboratories | CHF 132 | 3.1 % | +31.6 % |
| Psychotherapists(2023—) | CHF 109 | 2.6 % | +38.7 % |
| Tests at the doctor | CHF 85 | 2.0 % | +19.8 % |
Gross benefits per insured person, twelve-month rolling average. Source: FOPH cost monitoring (MOKKE). Psychotherapists only entered the monitoring in 2023: their change covers a shorter period.