How much will my health insurance premiums increase in 2027?

According to bonus.ch, the average increase will be almost 5%, but it depends on the chosen case. Some policyholders will see increases of up to 20%, others much less. The Confederation will communicate the official data by the end of September 2026, and the individual coffers will notify the new prize between October and November 2026.

As a G-licensed border worker, do I have to pay the LAMal premium entirely on my own?

Yes, the LAMal premium is an individual charge withheld from the paycheck. There is no legal obligation for the employer to contribute, although some offer voluntary subsidies. As a border worker with a G permit, you have the right of option on the Swiss health insurance fund and you can choose the most convenient one every year.

Is it convenient to change sick pay in 2027 to avoid getting more expensive?

Often yes. Compare 2027 prizes on bonus.ch: you might find a cashier with smaller increases (2-3%) instead of the almost-5% average. The deadline for exchange is 30 November 2026, with effect from 1 January 2027. There are no additional costs or penalties.

When will I receive notification of the new LAMal award?

Between mid-October and the end of November 2026, your health insurance fund will notify you by regular mail or online of the new premium amount from 1 January 2027. Keep this communication for your records and tax return.

Is the LAMal premium tax deductible on the Italian return?

Yes, the LAMal premium is deductible as a health expense in the Italian tax return (EC framework of 730 for salaried employees). Keep all payment receipts to maximize tax deductibility and document the expense at the Revenue Agency.

Sick pay premiums: +5% in 2027 (cross-border guide)

Di Redazione Frontaliere Ticino · Published on 8 September 2026

Health insurance documents and digital premium calculator interface

According to bonus.ch, LAMal premiums will increase by almost 5% in 2027, with peaks of up to 20%. Direct impact on border workers' paychecks.

Context

In brief

Health insurance premiums will increase by nearly 5% in 2027 compared to 2026
In 2026, the increase was 4.4%
Some policyholders will face increases of up to 20%
The Confederation will communicate the official data by the end of the month

Key facts

Average increase: nearly 5% (scenario 4.5%-5%)
Previous year: 4.4% in 2026
Maximum peaks: up to 20% for some policyholders
Source of forecast: bonus.ch (online comparison tool)
Official data: by the end of September from the Confederation
Sector: Compulsory health insurance (LAMal)
Period: In effect January 1, 2027

A new, significant increase in health insurance premiums is looming for 2027. According to the online comparison tool bonus.ch, the average increase will be nearly 5%, higher than the 4.4% recorded in 2026. Those warning of this continued upward trend are the authors of the survey on the comparison portal themselves, who comment: 'The hope for a truce seems to be slipping away once again.'

The most worrying figures, however, concern those in specific situations: some policyholders will even have to deal with peaks of up to 20%. This is not an unexpected phenomenon, but a reality already highlighted by online comparison tools that collect preventive data from health insurance funds in anticipation of the new year.

Direct impact on cross-border workers

For those working in Switzerland with a G permit—a category that includes the majority of Italian cross-border workers—the increase in LAMal premiums is a direct cost on the monthly paycheck. It is not a tax, but an individual insurance burden deducted from the salary. When bonus.ch reports increases of 5%, this translates into a concrete price increase that reduces the net monthly income of each cross-border worker, regardless of income.

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Operational details

How the increase impacts the border family budget

The nearly 5% increase may not seem dramatic until you apply it to concrete figures. A border worker with a G permit who pays a LAMal premium of CHF 400 per month — a realistic figure for an adult with an average deductible — will see the amount rise to around CHF 420 per month in 2027. On an annual basis, it means about CHF 240 more.

For those who have a family (spouse + 1-2 children), the multiplier is even more pronounced. If the core pays CHF 1,000 total monthly, the 5% increase leads to CHF 50 more each month, or CHF 600 per year. These figures are not insignificant for those who already manage the gap between the cost of living in Ticino and the Swiss salary.

Comparison with 2026 and historical trend

The 2026 increase had been 4.4%. The change from 4.4% to almost-5% represents an acceleration, albeit modest numerically. What matters is the trend: in recent years, premiums have never registered significant declines, and increases are constantly between 3% and 5% per year. This means that the cost of sick pay grows faster than wages for most workers.

Strategies to contain damage: cash changeover

The first lever available to the border agent is the cash changeover. All policyholders — with a G or B permit — have the right to choose a different cashier each year, with effect from 1 January of the following year.

Useful tools to protect your net income

To reduce FX leakage, compare CHF-EUR exchange options and banks for cross-border workers.

Key points

Step-by-step procedure for adapting to the premium increase

Addressing the increase in LAMal premiums in 2027 requires a series of concrete actions, articulated on a precise timeline. Here's what to do and when.

Step 1: Wait for official Confederation data (by end of September 2026)

The first action is passive: wait for the official communication from the Confederation, expected by the end of September 2026. It is not wise to speculate on preliminary estimates or national averages. Official data will provide the certified increase for each canton. Until then, bonus.ch estimates (4.5%-5%) remain the most reliable, but are not definitive.

Step 2: Collect communications from health insurance funds (October-November 2026)

Between mid-October and the end of November, each health insurance fund will notify its policyholders of the new premium amount effective January 1, 2027. This communication usually arrives by ordinary mail or through access to the personal area on the insurance company's website. Do not be surprised by this communication: it is expected and foreseeable.

Step 3: Compare alternatives on bonus.ch (by November 2026)

Upon receipt of the new premium notification, open the online bonus.ch comparator and enter your data (age, postal code, desired type of coverage). The portal will show all premiums available from different health insurance funds for 2027. Often it turns out that a competing fund offers a significantly lower premium. The annual difference can exceed CHF 200-300 in some cases.

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Frequently Asked Questions

How much will my health insurance premiums increase in 2027?: According to bonus.ch, the average increase will be almost 5%, but it depends on the chosen case. Some policyholders will see increases of up to 20%, others much less. The Confederation will communicate the official data by the end of September 2026, and the individual coffers will notify the new prize between October and November 2026.
As a G-licensed border worker, do I have to pay the LAMal premium entirely on my own?: Yes, the LAMal premium is an individual charge withheld from the paycheck. There is no legal obligation for the employer to contribute, although some offer voluntary subsidies. As a border worker with a G permit, you have the right of option on the Swiss health insurance fund and you can choose the most convenient one every year.
Is it convenient to change sick pay in 2027 to avoid getting more expensive?: Often yes. Compare 2027 prizes on bonus.ch: you might find a cashier with smaller increases (2-3%) instead of the almost-5% average. The deadline for exchange is 30 November 2026, with effect from 1 January 2027. There are no additional costs or penalties.
When will I receive notification of the new LAMal award?: Between mid-October and the end of November 2026, your health insurance fund will notify you by regular mail or online of the new premium amount from 1 January 2027. Keep this communication for your records and tax return.
Is the LAMal premium tax deductible on the Italian return?: Yes, the LAMal premium is deductible as a health expense in the Italian tax return (EC framework of 730 for salaried employees). Keep all payment receipts to maximize tax deductibility and document the expense at the Revenue Agency.