LAMal 2026
Health insurance premiums Graubünden 2026 — adults (age 31-45)
LAMal health insurance premiums 2026 in Graubünden for adults (age 31-45): median 495.10 CHF/month, range from 442.77 to 568.65 CHF. Official FOPH/BAG data with the minimum deductible (CHF 300 for adults, CHF 0 for children) and no accident cover. Compare the main health funds and find the most affordable insurer for your situation.
Top 20 health funds in Graubünden — adults (age 31-45)
| Rank | Health fund | Monthly premium |
|---|---|---|
| 1 | Curaulta | 442.77 CHF/month |
| 2 | Sumiswalder | 450.05 CHF/month |
| 3 | ÖKK | 450.40 CHF/month |
| 4 | Vita Surselva | 451.32 CHF/month |
| 5 | Agrisano | 468.28 CHF/month |
| 6 | Sanitas | 477.44 CHF/month |
| 7 | Rhenusana | 479.47 CHF/month |
| 8 | CSS | 485.38 CHF/month |
| 9 | Concordia | 486.57 CHF/month |
| 10 | Sympany | 490.18 CHF/month |
| 11 | Assura | 490.92 CHF/month |
| 12 | Mutuel | 493.74 CHF/month |
| 13 | Helsana | 496.46 CHF/month |
| 14 | SWICA | 496.58 CHF/month |
| 15 | Sana24 | 502.58 CHF/month |
| 16 | KPT | 503.01 CHF/month |
| 17 | Aquilana | 507.32 CHF/month |
| 18 | Atupri | 519.15 CHF/month |
| 19 | Philos | 519.79 CHF/month |
| 20 | Avenir | 525.96 CHF/month |
Benchmark vs neighbouring cantons
Here is how Graubünden ranks against the other target cantons for the same age bracket. LAMal premiums vary significantly across cantons even within the same language region.
| # | Canton | Median |
|---|---|---|
| 1 | Uri | 466.80 CHF/month |
| 2 | Graubünden | 495.10 CHF/month |
| 3 | Valais | 513.78 CHF/month |
| 4 | Zurich | 551.70 CHF/month |
| 5 | Ticino | 681.04 CHF/month |
Change vs 2025
Compared with 2025, the median premium in Graubünden for bracket adults (age 31-45) moved by +4.50% (24 funds compared). This change reflects the annual tariff review approved by the Federal Council and published in late September. The tables below compare every fund with data in both years to highlight the largest rises and falls.
Top 20 funds by percentage change vs 2025, from biggest drop to biggest rise
| Rank | Health fund | Δ vs prior year |
|---|---|---|
| 1 | Galenos | +0.04% |
| 2 | Helsana | +1.44% |
| 3 | Agrisano | +1.99% |
| 4 | EGK | +2.39% |
| 5 | Visana | +2.80% |
| 6 | Sympany | +3.25% |
| 7 | Sana24 | +3.34% |
| 8 | SLKK | +3.99% |
| 9 | Sanitas | +4.01% |
| 10 | Curaulta | +4.03% |
| 11 | Vita Surselva | +4.07% |
| 12 | KPT | +4.50% |
| 13 | Philos | +4.50% |
| 14 | Concordia | +4.70% |
| 15 | Sumiswalder | +4.79% |
| 16 | Assura | +5.02% |
| 17 | CSS | +5.04% |
| 18 | Atupri | +5.23% |
| 19 | ÖKK | +5.27% |
| 20 | Rhenusana | +5.96% |
How the LAMal premium works in this bracket
Under Swiss LAMal law, every resident must hold a basic health insurance. The premium varies by canton, premium region and health fund, but it is flat across all adults aged 26 and over — there is no age-based increase inside LAMal itself (unlike supplementary LCA cover). In Graubünden for 2026, the median for bracket adults (age 31-45) is 495.10 CHF/month. Cross-border workers living in Italy can elect either the Swiss LAMal or the Italian SSN under the "right of option" — this choice depends on age, health status, residence and family situation and should be evaluated with a licensed adviser. Use the table above to identify the cheapest funds in the age bracket and compare them using our interactive comparator below.
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Open the comparatorFrequently asked questions
How much does health insurance cost in Graubünden for adults (age 31-45)?
In Graubünden, bracket adults (age 31-45) pays 495.10 CHF per month on average for basic LAMal cover (CHF 300 deductible, no accident cover). The range across health funds goes from 442.77 to 568.65 CHF/month. Differences depend on the insurance model (standard, family doctor, telmed, HMO).
Which health fund is cheapest?
The cheapest fund changes every year — in 2026 the lowest monthly premium for this bracket is 442.77 CHF. Check the full table for the live ranking of all funds in the selected canton.
How can I save on my premium?
Three main levers: (1) pick an alternative model — family doctor, HMO or telemedicine typically saves 10-20% vs standard; (2) raise the annual deductible up to CHF 2,500 if you are healthy (savings up to ~50%); (3) compare rates every October for the following year and switch by 30 November if a better offer appears.
Do cross-border workers pay LAMal?
Cross-border workers in Switzerland have the "right of option" — they can choose Swiss LAMal or stay on the Italian SSN (or the German/French/Austrian system). LAMal choosers pay the same premium as a Swiss resident; SSN choosers stay covered in Italy. The option must be exercised within 3 months of starting work.
Does the premium change with age?
Under LAMal the premium is flat for all adults from 26 onwards — it does not rise with age. Children (0-18) and young adults (19-25) pay less by law. Supplementary LCA cover, on the other hand, does rise with age.