Mandatory health insurance premiums to rise by an average of 5.0% in Switzerland in 2027
Swiss health insurance premiums will rise by a national average of 5.0% in 2027. Cantonal differences, the official premium comparison and what to do.
In Switzerland in 2027, the national averagethe average monthly premium for mandatory basic health insurance will increase by 5.0%, according to information from the Swiss Federal Office of Public Health (BAG). The figure applies to mandatory basic insurance, known in German as Obligatorische Krankenpflegeversicherung (OKP).
The 2027 premium increase
Age-group and cantonal figures differ from the national average. The average monthly premium for people over 26 will increase by 4.9% according to the BAG data portal. This is also a national average, not the change in any particular insured person’s premium.
The average increase by canton ranges from 3.0% to 6.6% — reports Bluewin. The national, age-group and cantonal figures therefore represent different bases of comparison; none of them replaces an individualised premium.
The BAG cites the increase in the number of treatments, medical and technological advances, and the ageing population among the reasons for rising costs.
Savings opportunities and mistakes to avoid
The starting point for finding a more favorable premium is comparing offers. The priminfo.ch website can be used for this: according to BAG information the official, government-approved and advertising-free premium calculator already includes the 2027 data.
When comparing premiums, it is advisable to start with the offers for the following year and compare them with your own 2027 premium. It would be a mistake to automatically apply the national average increase to the current premium and then make a decision based on the estimated amount.
Comparing premiums helps identify potential savings; on its own, it does not justify switching insurers. Before making a decision, comparing your own offer with the alternatives provides a more useful basis than the extent of the nationwide increase.
Official background information and points to check
Health insurers must inform insured persons in writing by 31 October 2026 of their personalized 2027 premium, according to BAG. The amount stated in the notification should form the basis for checking your own premium. This date concerns insurers’ obligation to provide information, not the cancellation deadline.
If the comparison leads to a decision to switch insurers, attention must also be paid to sending the cancellation. The BAG information on premiums and costs recommends sending the cancellation by registered mail (Einschreiben) or A-Post Plus . This is the authority’s recommendation regarding the method of dispatch.
Sources
Swiss Federal Office of Public Health (BAG) – information on the 2027 premiums
Bluewin – the 2027 premium increase and cantonal differences
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In Brief
The average monthly premium for Switzerland’s mandatory basic health insurance will rise by 5.0% nationwide in 2027, while premiums for people over 26 will increase by an average of 4.9%. The average cantonal increase ranges from 3.0% to 6.6%, making the personalised premium notification decisive.
Key Takeaways
- The national average premium increase in 2027 is 5.0%.
- The national average premium for people over 26 will rise by 4.9%.
- The average cantonal increase ranges from 3.0% to 6.6%.
- According to BAG, factors contributing to rising costs include an increase in the number of treatments, advances in medical technology and an ageing population.
- Insurers must inform policyholders in writing of their personalised 2027 premium by 31 October 2026.
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