2027 health insurance premiums in Lucerne
What basic insurance costs in Lucerne today, how the premium has moved, and when the 2027 figures will be known.
Cheapest
CHF 414.30
2026 change
+2.7 %
Insurers
25
Lucerne is the 11th cheapest of 26 cantons.
The canton’s premium regions
Lucerne has 3 premium regions. Between the cheapest and the dearest, the gap reaches CHF 448 a year for the same contract — that is what the Swiss average does not tell you.
| Region | Cheapest | Gap per year | Communes | Cheapest insurer |
|---|---|---|---|---|
| Region 3 | CHF 414.30 | — | 55 | Agrisano |
| Region 2 | CHF 425.70 | +CHF 137 | 19 | Agrisano |
| Region 1 | CHF 451.60 | +CHF 448 | 5 | Atupri |
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 — the Office itself writes that the final date would only be fixed in August. This page will show the real figures the same day, at the same address.
The trend from 2015 to 2026
The cheapest premium in Lucerne moved by +74.7 % between 2015 and 2026. It is the only honest figure to set against "what will I pay next year": what the canton has taken so far, not what it will take.
The zone’s lowest premium, year by year since 2015. The same profile every time: adult, CHF 300 deductible, accident included — otherwise the comparison would mean nothing.
That is +74.7 % over 11 years, or CHF 2'126 more per year.
| Year | Lowest premium | Change |
|---|---|---|
| 2015 | CHF 237.10 | — |
| 2016 | CHF 264.00 | +11.3 % |
| 2017 | CHF 285.00 | +8.0 % |
| 2018 | CHF 316.30 | +11.0 % |
| 2019 | CHF 322.00 | +1.8 % |
| 2020 | CHF 312.00 | −3.1 % |
| 2021 | CHF 330.60 | +6.0 % |
| 2022 | CHF 326.80 | −1.1 % |
| 2023 | CHF 336.60 | +3.0 % |
| 2024 | CHF 372.90 | +10.8 % |
| 2025 | CHF 403.40 | +8.2 % |
| 2026 | CHF 414.30 | +2.7 % |
Source: FOPH archives, one file per year. The amounts are those actually in force, not a retrospective estimate.
See my commune2027 health insurance premiums: what is known, and when
The other cantons
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.