Health insurance 2027: increase by insurer, cheapest by region

Health insurance premiums rise by 5.0% on average in 2027. The federal government announced this on 29 September 2026 (BAG, 29 September 2026). This average across all insured people hides how differently individual insurers raise their prices.

We analysed the official premium data of the Federal Office of Public Health (BAG) for 2026 and 2027: every insurer, all 42 premium regions, always the same profile (adults 26 and over, without accident cover). At CSS, the standard model with a CHF 300 franchise becomes 7.1% more expensive (median), at SWICA 2.6%. Across all insurers and regions it is 4.0%. And in 19 of 42 regions, the cheapest insurer of 2026 is no longer the cheapest.

You can switch for 1 January 2027. Your cancellation must reach your insurer by Monday, 30 November 2026.

Profile: adults 26 and over, without accident cover, monthly premiums. Source: BAG premium data 2026 and 2027, Eini calculation, as of 2 October 2026.

2027 increase by insurer

How we calculated: for each insurer we compare the monthly premium of the standard model in 2026 and 2027 in the same premium region. Profile: adults 26 and over, without accident cover, CHF 300 franchise. From the 42 changes per insurer we take the median, the middle value. The range shows how far apart the regions are.

With around 1.47 million people, CSS has the most people in basic health insurance in Switzerland (BAG, average number of insured people 2025). For this profile, the CSS standard model becomes CHF 37.65 a month more expensive (median), around CHF 452 a year. At Vivao Sympany the increase is 6.8%. Among insurers active across Switzerland, vita surselva (+1.8%), Concordia (+2.5%) and SWICA (+2.6%) raise the least.

Two points for context. First, the BAG figure of 5.0% is the mean premium across all franchises, models and age classes, weighted by the number of insured people. Our figures compare tariff with tariff. Second, a small increase says nothing about whether an insurer is cheap. What the premium costs in your region is shown in the large table further down. Smaller insurers that operate only in part of Switzerland (for example Sumiswalder, SLKK or Krankenkasse Luzerner Hinterland) are not in this table; they are included in the regional table.

The cheapest insurer of 2026 is often no longer in front

If you switched to the cheapest insurer last year, you are not automatically in front again this year. In the standard model with a CHF 300 franchise, a different insurer is cheapest in 19 of the 42 premium regions in 2027. With a CHF 2'500 franchise it is 21 regions.

Often it is only a few francs. Where the lead has changed, staying with the previously cheapest insurer costs CHF 141 a year on average (CHF 300 franchise). In five regions it is much more:

In the other 13 regions with a new leader, the difference is between CHF 4 and CHF 118 a year. In Valais (region 1), AMB was cheapest in 2026. AMB no longer operates as a health insurer from 2027; the new insurer is Mutuel (BAG, insurer changes 2027). At Mutuel the same profile costs CHF 573.30 a month in 2027, at the cheapest insurer (ÖKK) CHF 537.60.

What is realistic

Between the most expensive and the cheapest insurer, the standard model differs by CHF 1'539 a year on average across the regions (CHF 300 franchise). But usually only few people are insured with the most expensive insurer. A more realistic comparison is with the median insurer:

• Same model: with the cheapest insurer you pay CHF 537 a year less in the standard model than with the median insurer, on average across the 42 regions (CHF 300 franchise). With a CHF 2'500 franchise it is CHF 539.
• Different model: if you move from the median insurer in the standard model to the cheapest alternative model, it is CHF 1'301 a year on average (CHF 300 franchise) or CHF 1'236 (CHF 2'500 franchise). In every region it is at least CHF 980.

For comparison: a household in Switzerland spends CHF 629 a month on average on food and non-alcoholic beverages (FSO, Household Budget Survey 2022). For a couple with this profile, twice CHF 1'236 equals almost four months of groceries.

Alternative models have a rule for first contact: depending on the model, you always go to your doctor's practice first or contact the telemedicine provider first (Priminfo). The details are in the insurer’s conditions. Whether a model suits you depends on your situation. And price is not everything: service and availability differ from insurer to insurer.

How to switch by 30 November 2026

1. Check the new premium. Your insurer must tell you the 2027 premium by 31 October at the latest (Priminfo).
2. Compare. Compare for your municipality, age, franchise and model, for example with the official federal government's premium calculator.
3. Cancel in writing. Your cancellation must reach your insurer by Monday, 30 November 2026. What counts is the date it arrives at the insurer, not the postmark.
4. Sign up with the new insurer. Every insurer must accept you for basic health insurance without reservation and without a waiting period, regardless of age and health (Priminfo).
5. Treat supplementary insurance separately. Supplementary insurance is a separate contract. Your insurer may not cancel it just because you change basic health insurance.

More on the process: Switching Health Insurer: Deadlines and Savings.

Method and data

• Source: premium data of compulsory health insurance 2026 and 2027 from the Federal Office of Public Health (BAG, opendata.swiss, as of 29 September 2026). These are the approved premiums.
• Profile: adults 26 and over, without accident cover, franchise CHF 300 or CHF 2'500, monthly premiums in CHF. With accident cover, premiums are higher.
• Models: the standard model is the BAG tariff type BASE. Alternative models are all other tariff types (2027: practice, telemedicine/digital, flex). Tariffs an insurer offers only in some municipalities of a region are not counted (in 2027 this affects 10 entries).
• Increase: median of the change from 2026 to 2027 for the same insurer in the same region. The table lists the 21 insurers active in all 42 regions.
• Median insurer: median of the premiums of all insurers in a region in the standard model. If two insurers are equally cheap, we name both. Where there was a tie in 2026, the cost of staying uses the insurer that is cheaper in 2027.
• Insured people: BAG, average number of insured people 2025.
• Download: regions (CSV) and insurers (CSV), licence CC BY 4.0. Please cite "BAG, Eini calculation" as the source.
• Independent: Eini sells no insurance, does not broker contracts and receives no commissions. This page compares premiums and recommends no particular insurer.

Where Eini fits

In the Insurance module you store your policies, and Eini reminds you of cancellation deadlines such as 30 November. Eini compares your basic health insurance with the official BAG premiums 2026 and 2027 and has a franchise calculator. The module is part of Eini Premium: CHF 3 a week or CHF 90 a year, with 7 days free.