Swiss Health Insurance Premiums 2027: Rise by Canton
From ~+CHF 13 to ~+CHF 38 a month for an adult depending on the cantonal capital: the 2027 LAMal premium rise canton by canton, and what it costs a family.
The Federal Office of Public Health (FOPH) published the 2027 health insurance premiums at the end of September. The announced Swiss average: +5.0%. But a national average says little about your own bill: depending on the canton, the median adult premium rises, in our calculation, by ~CHF 13 to ~CHF 38 a month.
For a family of four, the difference runs into hundreds of francs a year. And the window to act is short: to switch insurer on 1 January, your cancellation must reach your current insurer by 30 November at the latest.
Source: 2026 and 2027 LAMal premiums published by the FOPH (announced on 29 September 2026). Official comparator: priminfo.
The rise for an adult, capital by capital
Median adult premium, CHF 2'500 deductible, standard model with accident cover, in the premium region of each cantonal capital. Sorted by percentage rise.
| Capital | Change/month | Change | 2026 premium/month | 2027 premium/month |
|---|---|---|---|---|
| ZH (Zurich) | +CHF 38 | +7.5% | CHF 512 | CHF 550 |
| AG (Aarau) | +CHF 29 | +6.7% | CHF 442 | CHF 471 |
| TG (Frauenfeld) | +CHF 25 | +5.9% | CHF 416 | CHF 441 |
| SZ (Schwyz) | +CHF 23 | +5.8% | CHF 394 | CHF 417 |
| AI (Appenzell) | +CHF 18 | +5.7% | CHF 320 | CHF 338 |
| NE (Neuchâtel) | +CHF 31 | +5.5% | CHF 571 | CHF 602 |
| NW (Stans) | +CHF 20 | +5.4% | CHF 365 | CHF 385 |
| BS (Basel) | +CHF 30 | +5.2% | CHF 576 | CHF 606 |
| UR (Altdorf) | +CHF 19 | +5.1% | CHF 367 | CHF 386 |
| SG (St. Gallen) | +CHF 22 | +4.8% | CHF 449 | CHF 471 |
| FR (Fribourg) | +CHF 23 | +4.8% | CHF 479 | CHF 502 |
| OW (Sarnen) | +CHF 17 | +4.5% | CHF 373 | CHF 390 |
| LU (Lucerne) | +CHF 19 | +4.4% | CHF 435 | CHF 454 |
| GL (Glarus) | +CHF 18 | +4.4% | CHF 407 | CHF 425 |
| ZG (Zug) | +CHF 14 | +4.4% | CHF 302 | CHF 316 |
| JU (Delémont) | +CHF 24 | +4.3% | CHF 552 | CHF 576 |
| VD (Lausanne) | +CHF 23 | +4.0% | CHF 570 | CHF 593 |
| VS (Sion) | +CHF 18 | +3.9% | CHF 456 | CHF 474 |
| BL (Liestal) | +CHF 22 | +3.9% | CHF 552 | CHF 574 |
| AR (Herisau) | +CHF 16 | +3.9% | CHF 411 | CHF 427 |
| TI (Bellinzona) | +CHF 24 | +3.9% | CHF 612 | CHF 636 |
| SO (Solothurn) | +CHF 18 | +3.8% | CHF 478 | CHF 496 |
| GE (Geneva) | +CHF 19 | +3.0% | CHF 624 | CHF 643 |
| SH (Schaffhausen) | +CHF 14 | +2.9% | CHF 469 | CHF 483 |
| GR (Chur) | +CHF 13 | +2.8% | CHF 445 | CHF 458 |
| BE (Bern) | +CHF 15 | +2.8% | CHF 556 | CHF 571 |
Three things stand out.
The rise does not follow the premium level. Zurich has the steepest rise of the 26 capitals in our calculation, even though its 2026 premium was not among the highest. Conversely, Geneva, which keeps the highest premium in this table, is among the smallest rises in percentage terms.
Cheap cantons rise too. Zug remains the cheapest capital in the table, yet its premium still goes up by about 4%.
Our median is not the FOPH average. The official +5.0% averages all deductibles and all insurance models. Our figures cover a single case — an adult with a CHF 2'500 deductible on the standard model — and only the capital's premium region: a canton with several regions can see different rises elsewhere. For your own municipality, its OikoSearch page shows the change for its region.
What it costs a family over the year
Same calculation for a household of two adults and two children (actual FOPH child premiums, not a flat rate). Sorted by yearly rise.
| Capital | Household of 2 adults + 2 children, 2027/month | Change over the year |
|---|---|---|
| ZH (Zurich) | CHF 1'364 | +CHF 1'074 |
| AG (Aarau) | CHF 1'163 | +CHF 862 |
| BS (Basel) | CHF 1'508 | +CHF 856 |
| NE (Neuchâtel) | CHF 1'487 | +CHF 852 |
| JU (Delémont) | CHF 1'419 | +CHF 732 |
| VD (Lausanne) | CHF 1'483 | +CHF 722 |
| TI (Bellinzona) | CHF 1'563 | +CHF 710 |
| TG (Frauenfeld) | CHF 1'103 | +CHF 700 |
| BL (Liestal) | CHF 1'438 | +CHF 670 |
| SZ (Schwyz) | CHF 1'037 | +CHF 647 |
| FR (Fribourg) | CHF 1'252 | +CHF 635 |
| LU (Lucerne) | CHF 1'137 | +CHF 612 |
| SG (St. Gallen) | CHF 1'169 | +CHF 606 |
| SO (Solothurn) | CHF 1'236 | +CHF 578 |
| GE (Geneva) | CHF 1'601 | +CHF 570 |
| UR (Altdorf) | CHF 965 | +CHF 554 |
| GL (Glarus) | CHF 1'071 | +CHF 550 |
| NW (Stans) | CHF 965 | +CHF 546 |
| VS (Sion) | CHF 1'183 | +CHF 544 |
| AI (Appenzell) | CHF 848 | +CHF 542 |
| BE (Bern) | CHF 1'424 | +CHF 520 |
| AR (Herisau) | CHF 1'069 | +CHF 510 |
| OW (Sarnen) | CHF 983 | +CHF 454 |
| GR (Chur) | CHF 1'140 | +CHF 409 |
| SH (Schaffhausen) | CHF 1'190 | +CHF 362 |
| ZG (Zug) | CHF 796 | +CHF 348 |
For a family, the rise runs into hundreds of francs a year: the median across the 26 capitals is around ~CHF 590, and it exceeds ~CHF 1'000 in Zurich. That is the sum to weigh when you compare the insurers in your region.
What to do before 30 November
- Compare the insurers in your region on priminfo, the FOPH's official comparator. It gives each insurer's exact premium for your age, deductible and model.
- Cancel in time: the letter must be received by your current insurer by 30 November — the postmark does not count. The FOPH recommends sending it by mid-November, by registered mail. Register with the new insurer at the same time.
- Look at alternative models (family doctor, telemedicine, care network): they are generally cheaper than the standard model used in our tables.
For how a premium is built — deductible, co-payment, premium regions — see our guide to Swiss health insurance.
Methodology
- Profile: adult (26 and over), CHF 2'500 deductible, standard model with free choice of doctor, accident cover included; for the family table, two adults and two children (actual FOPH child premiums for the same region).
- Value used: median of the premiums of all insurers active in the capital's premium region, for 2026 and 2027, with the same method both years.
- Excluded: individual premium reductions (cantonal subsidies), supplementary insurance, alternative models, other deductibles.
- Nature of the figure: official median premium, not your insurer's premium. Your actual rise depends on your insurer, model and deductible.
- Caveat: values can vary noticeably by municipality (premium region), insurer, chosen deductible and age.
Sources: FOPH 2026 and 2027 premiums; cancellation deadline: FOPH fact sheet on changing insurer (29.09.2026); priminfo comparator.
See the premiums for my municipality →
Article published in October 2026, on the 2027 premiums announced by the FOPH on 29 September 2026.
Dated figures, official sources cited in the article. When data is missing, we say so — never an estimate disguised as fact.