Health Insurance Premiums By Commune (cross-border guide)

Last updated: May 2026

By Frontaliere Ticino Editorial Team

The health insurance premium map shows LAMal (mandatory Swiss health insurance) monthly premiums by municipality and insurer in Canton Ticino and surrounding cantons. Premiums vary significantly: from CHF 270 in the cheapest combination to over CHF 560 in the most expensive, depending on insurer, model (standard, HMO, telmed), deductible, and accident coverage inclusion.

For cross-border workers who opt for Swiss LAMal instead of the Italian National Health Service, premium comparison is essential. The choice is irrevocable for the entire duration of employment, making it one of the most consequential financial decisions a new frontaliere faces in the first 90 days.

The tool also shows the premium evolution over the last 5 years and forecasts for the coming year, helping you anticipate annual cost increases. Filter by canton, insurer, and coverage model to find the optimal combination for your health profile and budget.

This page is part of Frontaliere Ticino, the reference platform for cross-border workers between Switzerland (Canton Ticino) and Italy. Find practical tools, updated data, and verified information.

Content is designed to help cross-border workers make informed decisions about taxation, pensions, transportation, cost of living, and administrative procedures.

All tools and data are updated for the 2026 fiscal year, reflecting the New Bilateral Tax Agreement between Switzerland and Italy, current AVS/LPP contribution rates, and Canton Ticino withholding tax tables.

The platform covers the complete cross-border worker lifecycle: from obtaining your G or B permit and opening a Swiss bank account, to filing your annual tax returns in both countries, planning your AVS and LPP pension, and comparing the cost of living on both sides of the border.