LAMal 2026
Health insurance premiums St. Gallen 2026 — children (age 0-18)
LAMal premiums 2026 in St. Gallen — bracket children (age 0-18). Fund ranking and YoY delta vs last year.
St. Gallen ranks 14 of 26 cantons · cheaper than 13, more expensive than 12.
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Pre-filtered on this canton and age bracket — see every fund with a personalised quote.
Open the comparatorTop 20 health funds in St. Gallen — children (age 0-18)
| Rank | Health fund | Monthly premium |
|---|---|---|
| 1 | Rhenusana | 41.77 CHF/month |
| 2 | Agrisano | 47.23 CHF/month |
| 3 | SWICA | 50.40 CHF/month |
| 4 | Sana24 | 51.30 CHF/month |
| 5 | Galenos | 51.73 CHF/month |
| 6 | Sumiswalder | 56.60 CHF/month |
| 7 | Aquilana | 57.37 CHF/month |
| 8 | Visana | 57.60 CHF/month |
| 9 | Concordia | 61.23 CHF/month |
| 10 | Philos | 100.03 CHF/month |
| 11 | Avenir | 100.67 CHF/month |
| 12 | EGK | 100.70 CHF/month |
| 13 | Mutuel | 100.70 CHF/month |
| 14 | Assura | 105.40 CHF/month |
| 15 | ÖKK | 107.70 CHF/month |
| 16 | CSS | 110.27 CHF/month |
| 17 | Helsana | 117.00 CHF/month |
| 18 | Sanitas | 117.43 CHF/month |
| 19 | Glarner | 119.93 CHF/month |
| 20 | KPT | 120.03 CHF/month |
Benchmark vs neighbouring cantons
Here is how St. Gallen 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 | Zug | 79.20 CHF/month |
| 2 | Appenzell Innerrhoden | 87.30 CHF/month |
| 3 | Nidwalden | 87.60 CHF/month |
| 4 | Uri | 90.90 CHF/month |
| 5 | Obwalden | 92.00 CHF/month |
| 6 | Lucerne | 94.83 CHF/month |
| 7 | Schwyz | 95.60 CHF/month |
| 8 | Glarus | 97.05 CHF/month |
| 9 | Valais | 98.10 CHF/month |
| 10 | Bern | 99.08 CHF/month |
| 11 | Appenzell Ausserrhoden | 99.70 CHF/month |
| 12 | Graubünden | 100.09 CHF/month |
| 13 | Solothurn | 100.10 CHF/month |
| 14 | St. Gallen | 100.70 CHF/month |
| 15 | Aargau | 101.00 CHF/month |
| 16 | Schaffhausen | 101.30 CHF/month |
| 17 | Thurgau | 103.10 CHF/month |
| 18 | Zurich | 111.63 CHF/month |
| 19 | Jura | 112.30 CHF/month |
| 20 | Fribourg | 113.25 CHF/month |
| 21 | Neuchâtel | 120.20 CHF/month |
| 22 | Basel-Landschaft | 122.40 CHF/month |
| 23 | Basel-Stadt | 124.80 CHF/month |
| 24 | Ticino | 127.35 CHF/month |
| 25 | Vaud | 130.35 CHF/month |
| 26 | Geneva | 136.90 CHF/month |
Change vs 2025
Compared with 2025, the median premium in St. Gallen for bracket children (age 0-18) moved by +3.85% (25 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 | -4.26% |
| 2 | Glarner | 0.00% |
| 3 | Philos | 0.00% |
| 4 | Sumiswalder | +0.48% |
| 5 | Visana | +1.23% |
| 6 | KPT | +1.49% |
| 7 | Assura | +2.43% |
| 8 | CSS | +2.51% |
| 9 | Vita Surselva | +3.04% |
| 10 | ÖKK | +3.09% |
| 11 | Atupri | +3.23% |
| 12 | SWICA | +3.85% |
| 13 | Sana24 | +3.85% |
| 14 | Agrisano | +3.96% |
| 15 | Aquilana | +3.99% |
| 16 | Sanitas | +4.10% |
| 17 | Mutuel | +4.54% |
| 18 | Helsana | +5.38% |
| 19 | Concordia | +5.99% |
| 20 | Rhenusana | +7.46% |
Three-year trend 2024 → 2026
LAMal premium trajectory in St. Gallen for children (age 0-18) over the last three years: 2024 → 2025 → 2026, with consecutive year-over-year changes of +9.20% and +0.67% for a cumulative +9.93% over the two-year window. Looking at a single annual revision can mask the picture — the two-step compound is the right reading for planning a household budget.
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 St. Gallen for 2026, the median for bracket children (age 0-18) is 100.70 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.
LAMal health insurance premiums 2026 in St. Gallen for children (age 0-18): median 100.70 CHF/month, range from 41.77 to 150.70 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.
Cross-border workers and LAMal in St. Gallen: what the children (age 0-18) bracket means
For Italian cross-border workers employed in Switzerland but residing in Italy, St. Gallen is one of the cantons hosting a significant share of frontalieri. The choice between Swiss LAMal and the Italian SSN (right of option) has measurable financial implications: in the children (age 0-18) bracket the median premium in St. Gallen is CHF 100.70/month, with a range between CHF 41.77 and CHF 150.70 depending on the insurer and the policy model (standard, family-doctor, telmed, HMO).
The right of option must be exercised within three months from the start of Swiss employment or from a residence transfer to Italy. Once chosen, switching back is allowed only under specific conditions and tight deadlines. For 2026 family budget planning, the LAMal premium in St. Gallen for the children (age 0-18) bracket (CHF 100.70/month median) must be compared with the Italian SSN contribution, which depends on taxable income plus regional and municipal surcharges in the residence town.
In the children (age 0-18) bracket, LAMal premiums are uniform — there are no age-related increases within the "adults" range (26-55). The price gap between insurers in St. Gallen (CHF 41.77-150.70/month) reflects the policy model: standard is the most expensive; family-doctor, telmed and HMO offer 5-25% discounts. For the cross-border worker employed in St. Gallen on a G permit, choosing LAMal means accessing the Swiss provider network but giving up full SSN coverage in Italy for non-urgent care.
The annual LAMal premium revision is approved by the Federal Council in late September and published on the FOPH/BAG portal. Insurers communicate new premiums by late October for application starting January 1 of the following year. For 2027, it is advisable to reconsider your choice by November: insurer cancellation notice is one month (written notice by end of November for cancellation effective end of December). The 2026 data for St. Gallen (median CHF 100.70/month, range CHF 41.77-150.70) provide the benchmark for comparing the 2027 offers arriving between September and October.
Frequently asked questions
How much does health insurance cost in St. Gallen for children (age 0-18)?
In St. Gallen, bracket children (age 0-18) pays 100.70 CHF per month on average for basic LAMal cover (CHF 300 deductible, no accident cover). The range across health funds goes from 41.77 to 150.70 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 41.77 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.
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