Prémios de seguro de saúde 2027: o que se sabe, e quando
Os prémios 2027 ainda não foram publicados. Eis o que o OFSP escreveu oficialmente, quando saem os números, e quanto o seu cantão pagou até agora.
Os prémios 2027 ainda não foram publicados
The FOPH announces them at a press conference. The exchange with the cantons that precedes it is set for 21 de setembro de 2026 or 25 de setembro de 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.
O que o OFSP escreveu oficialmente
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
Os 26 cantões, prémios 2026
| Cantão | O mais barato | 2026 change | Seguradoras | Regiões |
|---|---|---|---|---|
| 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 |
| Graubünden | CHF 404,70 | +4,3 % | 24 | 3 |
| Valais | CHF 406,30 | +2,7 % | 28 | 2 |
| Appenzell Ausserrhoden | CHF 412,30 | +4,2 % | 23 | 1 |
| Luzern | CHF 414,30 | +2,7 % | 25 | 3 |
| Zürich | 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 |
| Genève | 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.
Fontes
- 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.