2027 health insurance premiums in St. Gallen
What basic insurance costs in St. Gallen today, how the premium has moved, and when the 2027 figures will be known.
Cheapest
CHF 401.60
2026 change
+5.2 %
Insurers
25
St. Gallen is the 7th cheapest of 26 cantons.
The canton’s premium regions
St. Gallen has 3 premium regions. Between the cheapest and the dearest, the gap reaches CHF 937 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 401.60 | — | 23 | Agrisano |
| Region 2 | CHF 419.60 | +CHF 216 | 44 | Agrisano |
| Region 1 | CHF 479.65 | +CHF 937 | 8 | Sanitas |
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 St. Gallen moved by +62.6 % 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 +62.6 % over 11 years, or CHF 1'855 more per year.
| Year | Lowest premium | Change |
|---|---|---|
| 2015 | CHF 247.00 | — |
| 2016 | CHF 257.00 | +4.0 % |
| 2017 | CHF 292.90 | +14.0 % |
| 2018 | CHF 311.00 | +6.2 % |
| 2019 | CHF 331.20 | +6.5 % |
| 2020 | CHF 333.50 | +0.7 % |
| 2021 | CHF 331.20 | −0.7 % |
| 2022 | CHF 332.90 | +0.5 % |
| 2023 | CHF 343.90 | +3.3 % |
| 2024 | CHF 366.90 | +6.7 % |
| 2025 | CHF 381.60 | +4.0 % |
| 2026 | CHF 401.60 | +5.2 % |
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.