Health insurance premiums 2026: up to CHF 3’318 apart per year depending on the region

A difference of CHF 276.50 every month

Adult averages range from CHF 311.50 a month in Zug to CHF 588 in Ticino’s highest premium region. The gap stands at CHF 276.50 every month, or CHF 3’318 over a year, for the same basic insurance. On an annual basis, these averages represent CHF 3’738 in Zug and CHF 7’056 in the highest Ticino region.

Every autumn, the FOPH publishes the premiums approved for the following year. It also calculates official averages by premium region. The site’s comparison tool covers 42 premium regions. Some cantons have just one, others up to three: Zurich, St. Gallen, Bern, Lucerne and Graubünden each have three premium regions.

Geneva and Ticino at the top of the scale

Geneva, which forms a single premium region, has an adult average of CHF 586 a month. Only Ticino’s region 1 exceeds it, at CHF 588: the highest regional average in Switzerland. Among the other single-region cantons, Basel-Stadt reaches CHF 545.10, Neuchâtel CHF 529 and Jura CHF 520.40.

At the other end, Zug (CHF 311.50), Appenzell Innerrhoden (CHF 322.80) and Uri (CHF 363.30) have the country’s lowest regional averages. Between these two poles, the other single-region cantons span CHF 95.40. Solothurn reaches CHF 466.70, Aargau CHF 439.70, Glarus CHF 417.40 and Thurgau CHF 414. Then come Appenzell Ausserrhoden (CHF 405.50), Schwyz (CHF 398.30), Nidwalden (CHF 376.10) and Obwalden (CHF 371.30).

Each row of the table corresponds to an official adult average by premium region, published by the FOPH for 2026. The selection covers the top and bottom of the scale. For cantons divided into several regions, such as Ticino, the value shown is that of the region cited in the text; the other cantons in the table each form a single premium region.

A few kilometres are enough to change the premium

In cantons divided into several premium regions, the address weighs directly on the bill. Two neighbouring municipalities in the same canton can belong to different regions. The adult average then differs, for the same basic insurance.

• Bern: from CHF 432.40 to CHF 508.20 a month, a difference of CHF 75.80
• Zurich: from CHF 421.10 to CHF 488, a difference of CHF 66.90
• Valais: from CHF 397.60 to CHF 454.10, a difference of CHF 56.50
• St. Gallen: from CHF 381.80 to CHF 434.20, a difference of CHF 52.40
• Lucerne: from CHF 381.40 to CHF 426.10, a difference of CHF 44.70
• Ticino: from CHF 546.40 to CHF 588, a difference of CHF 41.60
• Vaud: from CHF 506.90 to CHF 537, a difference of CHF 30.10

The Bern example shows the scale of the phenomenon: CHF 75.80 of monthly difference represents CHF 909.60 over a year, within one and the same canton. Basel-Landschaft (from CHF 491.50 to CHF 533.30), Fribourg (from CHF 430.40 to CHF 470.10), Schaffhausen (from CHF 427.70 to CHF 455.70) and Graubünden (from CHF 383.30 to CHF 426.50) also show internal gaps.

For children, a gap of CHF 65.90 a month

Average children’s premiums follow the same geography. They range from CHF 86.30 a month in Zug to CHF 152.20 in Geneva, according to the averages published by the FOPH. The difference reaches CHF 65.90 a month, or CHF 790.80 a year per child. Over twelve months, the average premium for a child thus amounts to CHF 1’035.60 in Zug and CHF 1’826.40 in Geneva.

For a household with two children, the gap between Zug and Geneva represents CHF 131.80 a month, or CHF 1’581.60 a year, before the parents’ premiums. Zug thus sits at the bottom of the scale for adults and children alike. Geneva tops children’s premiums and sits just behind Ticino’s region 1 for adult averages.

Next publication in autumn 2026

The site’s comparison tool lets users consult the adult average and the child average of each of the 42 premium regions covered. Every municipality is linked to its region, as defined in the FOPH data.

These averages apply to 2026, in force since 1 January 2026. The FOPH will publish the premiums approved for 2027 in autumn 2026, together with the new official averages by region. The figures in this article will then be updated.