Swiss health insurance premiums to increase by 5.0% in 2027 to 412 CHF

National rate increases for 2027

Swiss mandatory health insurance premiums will increase by an average of 5.0% in 2027, rising from 392.40 CHF to 412.00 CHF per month across all age groups. Health Minister Elisabeth Baume-Schneider announced the new figures on 29 September 2026, alongside the Federal Office of Public Health. The monthly premium for adults aged 26 and older will average 487.60 CHF, representing a 4.9% increase. For young adults aged 19 to 25, the average premium will rise by 4.8% to 338.80 CHF, while premiums for children will increase by 4.6% to 128.10 CHF. For an average family of four without individual premium reductions, the monthly expenditure for basic compulsory coverage will reach nearly 1230 CHF.

Regional disparities across cantons

Cantonal differences remain wide across Switzerland, though no canton will see premiums decline in 2027. Zug will maintain the lowest average premium in the country at 276.20 CHF per month, representing a 4.4% increase. Zug's low rates stem from a cantonal policy introduced in 2026 for a two-year period, under which the canton covers 99% of inpatient hospital costs instead of the standard 55%. Appenzell Innerrhoden will record the second-lowest average rate at 285.50 CHF despite a 5.9% rise. Uri follows at 317.40 CHF, Obwalden at 327.40 CHF, and Nidwalden at 339.90 CHF.

At the opposite end of the spectrum, Ticino will remain the most expensive canton with an average monthly premium of 519.90 CHF. Among adult premiums specifically, Geneva remains the highest, with Ticino second at 583.00 CHF and Vaud at 527.00 CHF. In terms of percentage growth, Canton Jura will record the steepest rise across all age groups at 6.6%, followed by Schaffhausen at 6.4% and Solothurn at 6.0%, where the average premium will reach 417.50 CHF. Canton Bern will see an increase of 5.4% to 420.20 CHF, and Basel-Landschaft will rise 4.3% to 462.20 CHF. Glarus will post the lowest cantonal increase nationwide at 2.7% for adults, bringing its overall average to 365.00 CHF.

Drivers behind health expenditure

The Federal Office of Public Health attributed the premium increases to expanding healthcare expenditure, which grew by 5.3% in 2025. Key factors driving this expansion include population ageing, medical technological developments, and higher volume of medical procedures. The public health authority noted that the volume of treatments per patient has grown even though disease incidence has remained stable.

In addition, an increase in costs per sick person can also be observed. This increase is primarily due to an increased number of treatments, although the frequency of illnesses remained relatively stable.

The agency also cited higher tariffs introduced in 2024 for outpatient and inpatient medical services as a contributing factor. Under Swiss law, health insurers must notify policyholders of their specific 2027 premiums by the end of October 2026. Insured individuals wishing to switch basic insurance providers or adjust their annual deductibles, which range from 300 CHF to 2500 CHF, have until the end of November 2026 to submit their cancellations.