Health Insurance Premiums By Commune (cross-border guide)

By Frontaliere Ticino Editorial Team

The health insurance premium map is for residents of Switzerland: it shows monthly LAMal premiums by Swiss municipality and insurer. Italian residents must use the separate Italy country-of-residence premiums; Swiss municipality prices and optional models do not apply to them. 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 cannot be changed freely; ask the canton of employment whether a new right of option applies. The initial request for exemption must be made within three months of starting work.

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.