Guide
How much are Swiss health insurance premiums going up in 2027?
Alejandro Redondo Lázaro · 7 min read · Published 23.08.2026 · updated 30.09.2026
In 2027 the average premium for mandatory health insurance in Switzerland is 412.00 francs a month, 5.0% higher than in 2026. Your own premium, the amount you pay each month, depends on your insurer, where you live, your age, your deductible and your model. Switzerland’s Federal Office of Public Health (FOPH, the BAG in German and the OFSP in French) published the 2027 premiums on 29 September 2026.
- End of October 2026. By law, your insurer has to write to you with your new premium by this date.
- 30 November 2026. The last day for your cancellation letter to reach your insurer. The postmark does not count.
- 1 January 2027. Your new premium applies, whether you switch or not.
How much will you pay for health insurance in 2027?
To see your 2027 premium, enter your postcode or municipality, your year of birth, your deductible and your model in the calculator.
According to the FOPH, the average premium for adults aged 26 and over is 487.60 francs a month in 2027, 4.9% higher than in 2026. The average across all ages is 412.00 francs, 5.0% higher. It is below the adult average because it includes children (up to 18) and young adults (19 to 25), who pay less.
These are averages for Switzerland as a whole, across all cantons, deductibles and models. Your own premium often changes by much more, or much less, than the average does.
See what you would pay in 2027 at each insurer
When will your insurer tell you your new premium?
By the end of October. The law requires your insurer to tell you your new premium at least two months before 1 January, when it takes effect, and to point out that you have the right to switch insurer.
If nothing has arrived by the beginning of November, call your insurer and ask them to send you the letter.
What is your deadline to switch insurer for 2027?
By 30 November at the latest, during normal office hours. What counts is the day your cancellation letter arrives at the insurer, not the day you post it. That is why the FOPH recommends sending it by mid-November at the latest.
If you are switching, send the cancellation to your old insurer and apply to the new one in parallel. Do not wait to be accepted before you send the cancellation. You stay covered the whole time, because the switch only takes effect once the new insurer confirms to the old one that it covers you from 1 January.
What can you change in autumn, and by when?
| What you change | When you must give notice | Effective from |
|---|---|---|
| Your insurer | Your cancellation letter has to arrive by 30 November at the latest | 1 January |
| Lowering your deductible | Your written notice has to arrive by 30 November at the latest | 1 January |
| Raising your deductible | No notice period is set in law. You tell your insurer in writing, and the FOPH recommends doing so by mid-December at the latest | 1 January |
| Moving from the standard model to an alternative one (family doctor, HMO, telemedicine) at your own insurer | At any time of the year, unless you are on bonus insurance | The date your insurer confirms to you in writing |
| Moving from one alternative model to another, or back to the standard model | Your written notice has to arrive by 30 November at the latest | 1 January |
| Supplementary insurance | It has its own deadlines, and at many insurers they fall at the end of September | Depends on your contract |
To work out which deductible pays off for you, see the deductible guide. The guide to the models explains how each one works.
What do you need to do now?
If you want to keep everything as it is, there is nothing to do. Your insurer, your deductible and your model stay the same, and the new premium applies automatically from 1 January.
If you are thinking of switching, work through these steps in order.
- If you have supplementary insurance and want to change that too, check its deadlines first. At many insurers the deadline to cancel it falls at the end of September, so it may already have passed. If your supplementary premium has gone up, you may have another deadline to cancel. The details for each insurer are in how to cancel supplementary health insurance.
- Find your policy and note down your insurer, your deductible and your model.
- Compare your insurer with the others in the calculator. You do not need to wait for the October letter.
- Check that you have no unpaid bills with your insurer. A debt that has been demanded and not paid can block the switch.
- If you switch, send the cancellation to your insurer by mid-November at the latest, by registered post or by A Mail Plus (Swiss Post’s tracked letter, also written A-Post Plus). This is the letter that has a deadline, so keep the proof of postage. It is best to apply to the new insurer at the same time. The guide on how to switch health insurance shows you how to write both letters.
Frequently asked questions
How much are health insurance premiums going up in 2027?
According to the FOPH, the average monthly premium is 412.00 francs in 2027, 5.0% higher than in 2026. That is an average for the whole of Switzerland. Yours depends on your insurer, where you live, your age, your deductible and your model.
When are the 2027 health insurance premiums published in Switzerland?
All the 2027 premiums were published on the same day, 29 September 2026. The FOPH, the Federal Office of Public Health, approves and publishes them. No date is fixed in law, though they usually come out at the end of September.
What is my deadline to switch insurer for 2027?
Your cancellation letter has to reach your insurer by Monday 30 November 2026 at the latest. What counts is the day it arrives, not the day you send it.
Do I have to wait for the new insurer to accept me before I cancel?
No. In basic health insurance, every insurer that operates in your area is obliged to accept you. Send the cancellation to your old insurer and apply to the new one in parallel. If you wait, you risk missing the 30 November deadline. And you stay covered the whole time, because your old insurer keeps you insured until the new one tells it that your cover continues without interruption.
The short version
In 2027 the average premium for mandatory health insurance is 412.00 francs a month, 5.0% higher than in 2026. You can see yours in the calculator now, without waiting for your insurer’s letter. If switching pays off for you, send the cancellation no later than mid-November, because it has to reach your insurer by 30 November at the latest. It is best to apply to the new insurer at the same time. If you keep everything as it is, there is nothing to do.
Official sources (11)
Source: LAMal/KVG (RS 832.10), art. 7 para. 5 — cover with the former insurer does not end until the new insurer has informed it that the person concerned is insured without interruption — accessed 28.09.2026
Source: FOPH/BAG, factsheet “Changement de caisse-maladie : ce qu’un assuré doit savoir” (23.09.2025) — lowering or raising the deductible, leaving an alternative model or moving to another one are notified to the insurer in writing — accessed 28.09.2026
Source: Priminfo (FOPH), premium approval calendar — the FOPH notifies all insurers of its decisions at the same time at the end of September, and they must inform each insured person by the end of October at the latest — accessed 30.09.2026
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