What 1 January 2027 really changes for a household

One model couple, two bills in motion

The calculation covers a couple, so two adult premiums, and a household consuming 4’500 kilowatt hours a year. Income tax does not enter this balance: it does not change on 1 January and follows a separate cantonal timetable. That leaves the two items that genuinely switch with the calendar year.

The premium increase dominates by a wide margin. In the median municipality the two premiums cost 550 francs more over the year, while the electricity bill retreats by 41 francs. Electricity therefore absorbs less than a tenth of the increase.

No municipality comes out ahead

Across the 2’099 municipalities documented for both items, 2’099 show an unfavourable balance and 0 a favourable one. In 0 % of cases the lower electricity tariff is enough to cancel out the premium increase. The movement is therefore general; only its size varies.

More than 778 francs a year separate the two ends of the table. Two effects compound: a premium region that rose more steeply, and an electricity tariff that barely falls or that rises.

What this balance does not cover

Two items do not make a budget. Rent, transport, food and municipal charges are absent from this calculation. So is the tax burden, even though it remains by far the most variable item from one municipality to another.

The result also depends on the household chosen. A single person carries one premium, a family with children carries more but at reduced rates for minors, and a less energy-hungry home cuts the electricity share. The comparison tool places five municipalities side by side on identical scenarios.

Finally, the balance shown here is an order of magnitude, not a bill. It rests on official averages and on a standard consumption profile, two conventions that smooth over individual situations. A household with a different deductible or insurance model will get a different result.

One lever stays open until the end of November

The premium depends on the region of residence, but also on the insurer, the deductible and the insurance model chosen. Those last three can be changed until the end of November for the following year. The electricity tariff, by contrast, cannot be chosen: it depends on the grid operator serving the municipality.

Balance calculated by Civiora from two official sources: average premiums from the Federal Office of Public Health for the 2026 and 2027 financial years, adult class, and tariffs from the Federal Electricity Commission for the same years, H4 profile. It is not an amount published by any authority. The calculation uses municipalities documented for both items and both years, and ignores every other item of expenditure.

In short

• 481 CHF: additional spending per year for the model couple
• 2’099: municipalities out of 2’099 with an unfavourable balance
• 0 %: of municipalities where electricity fully offsets premiums

Sources

• Federal Office of Public Health (FOPH): Compulsory health insurance premiums 2027 (priminfo)
• Federal Electricity Commission (ElCom): Electricity tariffs 2027, profile H4, standard product