LAMal 2026
Swiss health insurance premiums 2026 by canton and age
The Swiss LAMal system requires every resident to hold basic health insurance. 2026 premiums vary substantially by canton, premium region and age bracket: this hub is the entry point to our premium tracker, with official FOPH/BAG data refreshed annually. For each target canton (Ticino, Graubünden, Uri, Valais, Zurich as benchmark) we expose median, minimum and maximum monthly premium across 6 age brackets. Cross-border workers employed in Switzerland can choose between the Swiss LAMal and their home-country system under the "right of option" — the canton of your employer (or your residence canton) is the right starting point. Every landing links to the pre-filtered comparator where you can obtain a personalised quote.
Median by canton — adult bracket (26+)
| Canton | Median | Min | Max | |
|---|---|---|---|---|
| Ticino | 681.04 CHF/month | 630.19 | 760.51 | Open Ticino → |
| Graubünden | 495.10 CHF/month | 442.77 | 568.65 | Open Graubünden → |
| Uri | 466.80 CHF/month | 416.00 | 636.80 | Open Uri → |
| Valais | 513.78 CHF/month | 437.95 | 576.95 | Open Valais → |
| Zurich | 551.70 CHF/month | 516.50 | 604.30 | Open Zurich → |
What LAMal covers
The Swiss Federal Health Insurance Act (LAMal) guarantees every resident — and cross-border workers electing the Swiss system — basic medical care: doctor visits, ward-level hospital stays, prescription drugs on the positive list, maternity, basic psychiatry, prescribed physiotherapy. It does not cover routine dental care, private rooms, non-recognised alternative medicine, contact lenses: for these you need supplementary cover (LCA/VVG).
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Open the comparatorFrequently asked questions
How are LAMal premiums set?
Each fund submits its tariffs to the Federal Council, which approves them by late September. By 31 October 2025 insured members receive the next-year quote and have until 30 November to switch funds.
Which cantons have the lowest premiums?
Central and eastern Switzerland usually have the lowest premiums; Geneva, Basel-City and Ticino are at the high end. Variation within a single canton is also significant (many cantons have 2-3 premium regions).
Can I switch funds during the year?
Only in special cases (extraordinary premium increase, change of canton). The standard switching window is by 30 November for the following year's cover.