Health Insurance Premiums
Roland
26.09.2025
5 min. reading timeStrong Premium Increase 2026: Act Now and Save Thousands of Francs!
The news is out and fears have been confirmed: Your health insurance premium will rise significantly again in 2026. Federal Councillor Elisabeth Baume-Schneider officially announced the figures today.
In the interview on 10vor10 on Swiss television, the Federal Councillor rightly praises the quality of the Swiss healthcare system. And yet she indicates with 'curbing costs' that premiums will continue to rise in the coming years.
Federal Councillor Baume-Schneider on SRF – 10vor10 — 23.11.2025
From our perspective, this is particularly significant: The savings potential with your premiums is enormous!
Strong premiums — increase to 2026
Average increase in the monthly premium in Switzerland
This is how sharply premiums will rise in 2026
On average in Switzerland, you should expect an increase of 4.4%. The average monthly premium for compulsory basic insurance rises from CHF 376.70 to CHF 393.30. That is an average of CHF 16.60 more per month and over CHF 200 per year in additional costs for you.
For a family with two children, this quickly adds up to several hundred, if not even a thousand francs per year. These figures are more than just statistics – they are a noticeable financial burden for you and your family.
They force us to rethink expenses and ask ourselves where we can still save money.
How Much Will Your Premium Increase Specifically?
You can get a first impression of how much your premium will increase in these charts. Look at your canton.
Cantonal view of the premiums - in francs
Medium premiums, all age groups
Source: BAGCantonal view of premiums – increase in %
Increase in average premiums, all age groups
Source: BAGThese average values don't help you specifically. Premiums differ by health insurer, place of residence, age and chosen model. Therefore, it's best to check your health insurance policy. You receive this from your health insurer by post or directly in your portal by the end of October at the latest.
Where Does the Constant Premium Increase Come From?
The increase in premiums is a direct result of rising healthcare costs in Switzerland. As media reports from 20 Minuten, Blick, Tages-Anzeiger and NZZ consistently note, the reasons for this are varied:
Medical Progress:
New, often expensive medications and treatment methods improve care but also drive costs up.
Demographic Change:
The population is aging. Older people typically require medical services more frequently, which increases overall costs.
More Treatments:
A general increase in healthcare services utilized per capita is being observed.
Shift from Inpatient to Outpatient:
Treatments that previously took place in hospitals are increasingly being performed on an outpatient basis. This is medically sensible and politically desired. However, premium payers fully finance outpatient treatments, while inpatient treatments are co-financed by the cantons. This shift directly burdens premium payers.
Health insurers pass these higher costs on to all of us through premiums. The bad news: An end to this spiral is not in sight, as healthcare costs continue to rise. The good news: You can actively do something about it!
Your Room for Action: Switch Health Insurance Now and Save
The new premiums are here – and with them your annual switching window.
You have the chance to switch health insurance and thus directly influence your premium amount.
Over 90% of the Swiss population stays with their health insurance year after year, often out of convenience or the assumption that switching isn't worth it. That's a big mistake!
A switch can save you and your family hundreds, if not thousands of francs per year.
Basic insurance is legally mandated and identical across all providers. Differences exist in premiums, choice models (like family doctor or Telmed models), deductibles and customer service. Now is the perfect time to take action.
Medical Progress:
New, often expensive medications and treatment methods improve care but also drive costs up.
Demographic Change:
The population is aging. Older people typically require medical services more frequently, which increases overall costs.
More Treatments:
A general increase in healthcare services utilized per capita is being observed.
Shift from Inpatient to Outpatient:
Treatments that previously took place in hospitals are increasingly being performed on an outpatient basis. This is medically sensible and politically desired. However, premium payers fully finance outpatient treatments, while inpatient treatments are co-financed by the cantons. This shift directly burdens premium payers.
Don't let high premiums discourage you. Take control of your healthcare costs and find the health insurance that best fits you and your budget.
Switch Health Insurance with alletta.ch
You have it in your hands to react to the strong premium increase in 2026.
Don't waste your money any longer, but use the opportunity to save.
At alletta.ch we make switching simple, fast and transparent. We compare the offers of top health insurers in your region for you, show you the potential savings and guide you step by step through the switching process.
Don't wait until the new premiums arrive in your mailbox and you're surprised by the high costs.
Compare now and save thousands of francs!