2026 premiums: what changes?
Each autumn insurers set their premiums for the next year and the FOPH approves them. Crucially, basic (LAMal) benefits don't change — they're identical by law. Only the price moves, and it can vary a lot between insurers for the very same cover.
Why your premium varies so much
Your premium depends on your canton (and premium region), your age, your deductible (CHF 300-2,500) and your model (standard, family doctor, HMO, Telmed). For identical benefits, the gap between the cheapest and most expensive insurer in your region often exceeds 40%.
4 levers to cut your 2026 premium
1) Compare and switch insurer (free, identical benefits). 2) Adjust your deductible. 3) Switch to an alternative model (family doctor, HMO, Telmed) — up to -25%. 4) Claim your cantonal premium subsidy if eligible — it stacks with a cheaper insurer. Combined, these can meaningfully cut your yearly bill, depending on your profile.
Compare your 2026 premium in seconds
The only way to know your exact 2026 premium — and the cheapest insurer for your profile — is to compare the official FOPH-approved premiums for your canton, age and deductible. Switching for January 1 requires a registered letter before November 30. Use Polia's LAMal comparator.