What changed in Swiss health insurance, what comes next and what it means for you — premiums, deadlines and the law, in English. Every item names its source; the newest comes first.
Premium calculator · 2027 Calculate your 2027 premium Every approved insurer for your postcode, age, deductible and model. Official FOPH data, in English.Updated · latest: 2027 premiums published
Insurers have until the end of October to tell you your 2027 premium (FOPH). Your number can sit far from the average: check it for your postcode now. Premium calculator
Your notice must arrive by then to switch insurer or model on 1 January 2027. How to switch for 2027
Premiums and insurers by canton: ZürichGenevaBaselBernZugLausanneLugano
The FOPH's average premium across all ages, models and deductibles rises most in Jura (+6.6%) and least in Glarus (+3.0%). It is lowest in Zug (CHF 276.20 a month) and highest in Ticino (CHF 519.90); Zürich CHF 404.40 (+5.8%), Geneva CHF 508.60 (+4.4%).
Among the 23 insurers with 20,000 or more insured, the standard adult premium rises most at CSS (+7.7%) and Sympany (+6.9%), least at KPT (+2.7%) and Concordia (+2.8%). Each insurer's canton changes are weighted by its insured there. Our calculation from the FOPH premium and enrolment files; the FOPH publishes no change per insurer.
The cheapest 2027 offer in every canton, at the CHF 300 and the CHF 2,500 deductible, and what the gap to the median offer really saves.
Updated
Robert Kolar on the 2027 premium letter: the four figures to find in it, the 30 November deadline, and the three levers that move your bill — deductible, insurance model, and splitting basic and supplementary between insurers.
Most supplementary contracts need three months' notice to the end of the year, which means 30 September; terms differ, so check yours. Cancel only once a new insurer has accepted you in writing — supplementary insurers can decline you on health grounds.
To switch basic insurer or model for 1 January 2027, your notice must reach your insurer by 30 November 2026 — a postmark that day is not enough. The new insurer must accept you whatever your health.
New residents have three months from registering with their commune to take out basic insurance; on time, cover applies from the registration date. Late, it starts only when you enrol, with a premium surcharge, and the canton can assign you an insurer.
We add an item when the FOPH publishes, the law changes or one of our pages carries new figures — each with its date and source, never a forecast. Check your own 2027 premium in the premium calculator. Expat Savvy is an independent insurance advisor; nothing here is advice to buy or cancel a policy.
Your model, deductible, insurer and supplementary cover, read together, in English. We say stay more often than switch. Or check your 2027 premium first in the premium calculator.
