How subsidies work
Each canton reduces premiums for households below income/wealth thresholds. Auto-calculated from latest tax assessment in most cantons. 30%+ of insured qualify.
How to check eligibility
Search your canton's website for 'subside prime maladie' or 'Prämienverbilligung'. Online simulator gives instant eligibility. Romandy generally more generous than German-speaking cantons.
Application and deadlines
In most cantons, application is automatic if you qualify per latest tax filing. Notify changes (divorce, job loss, birth) to cantonal social-insurance office. Geneva: deadline October 31; Vaud: November 30.
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