2027 Health Insurance Premiums: More People Are Switching Insurers

Context

At a Glance

• Deloitte estimates 600,000–900,000 cash payments
• In 2027, the average premium will rise by 5% to 412 francs
• One-quarter report difficulty paying premiums
• With an additional 20 francs, one in two is considering switching providers

Key Facts

• Deloitte estimate → 600,000–900,000 policy switches
• Survey → 1,236 participants
• Research firm → YouGov
• Period → third quarter of the year
• 2027 increase → 5%
• Average premium → 412 francs per month
• Average increase → 19.70 francs per month
• Inflation threshold → 20 francs per month per person

Deloitte estimates that between 600,000 and 900,000 insured individuals will switch health insurance providers. The consulting firm bases this forecast on the results of a survey and links the figure to recurring premium increases, which have made the public cost-conscious.

The survey was conducted by YouGov in the third quarter of the year and involved 1,236 participants from across Switzerland. The survey’s sample is therefore nationwide, while the results highlight certain patterns of behavior that are more common among specific age groups and regions.

An Annual Review

More than half of those surveyed say they review their health insurance every year. Young adults aged 18 to 29 do so more often than average. Residents of Ticino and French-speaking Switzerland also report this above-average frequency.

The annual review and switching health insurance plans are two distinct processes. The survey examines, on the one hand, the habit of reviewing one’s health insurance and, on the other, the willingness to consider switching when premiums increase. Deloitte interprets both trends as a reflection of the cost sensitivity driven by recurring inflation. To track the comparison between insurers and the issue of cassa malati, the key figure to keep in mind is the frequency with which policyholders revisit their insurance coverage.

The Threshold Indicated by the Survey

When price increases reach 20 francs per month per person, one in two policyholders considers switching insurers. A year ago, that proportion was still just over one-third. The comparison thus indicates a greater willingness to consider another insurer, but it does not mean that every consideration leads to an actual switch.

A quarter of participants also report having difficulty paying their premiums. Last Tuesday, a 5% increase in the average premium was announced for 2027, bringing it to 412 francs per month. The average increase will be 19.70 francs per month. These are the figures underlying Deloitte’s estimate: the pressure is evident in the annual insurance review, in the inflation threshold that triggers a comparison, and in the payment difficulties reported by respondents.

Operational details

The figure of 412 francs should be understood as a monthly average for 2027. It is not presented as the individual amount for each insured person. The same caution applies to the 19.70 francs, which is indicated as the average monthly increase. To understand the impact on your personal budget, you must base your comparison on the premium you actually pay and the change applied to you individually.

From National Data to Personal Expenses

In the Swiss system, the LAMal/KVG premium is a per-capita expense: it is not a tax and it is not a payroll deduction. Premiums vary by canton and region, while premium reductions are determined at the cantonal level. This distinction is important for interpreting the news without treating the national figure as a one-size-fits-all number.

The Deloitte survey captures the reaction to costs; it does not replace an assessment of individual circumstances. The 20-franc threshold is monthly and per person; the average premium of 412 francs, on the other hand, is expressed on a monthly basis and represents an average. The 5% and 19.70 francs also describe the average increase announced for 2027. These are different indicators and should be kept separate when assessing the impact on costo della vita in Svizzera.

Why the comparison matters

The estimate of between 600,000 and 900,000 switches does not represent an actual count: it is a Deloitte forecast based on the survey results. Similarly, the fact that a policyholder is considering a switch does not mean they will actually make one. The difference between intention and decision makes it necessary to look at one’s own premium amount, not just the national average.

The result is particularly clear for those who already check their insurance coverage frequently. Deloitte notes an above-average frequency among 18- to 29-year-olds and among residents of Ticino and French-speaking Switzerland. For these groups, regular review is the practical step that allows them to gauge any increase before deciding whether to stay with their current provider or switch. The difficulty in paying premiums reported by a quarter of respondents adds a second criterion: the premium must also be evaluated in terms of the affordability of the monthly expense.

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Key points

The transition from a general overview to a personal decision can be organized as an annual review, without confusing national estimates with individual amounts.

Four Steps for the Review

1. Review your health insurance every year. This is the approach reported by more than half of those surveyed, and it ensures you don’t face a rate increase without first assessing your situation.

2. Note your actual monthly premium and distinguish it from the national average. The 412 francs announced for 2027 is an average; the 19.70 francs is the average increase. For your own assessment, the figure that matters is the one applicable to you personally.

3. Calculate the monthly increase per person. The threshold indicated by Deloitte is 20 francs: once this is reached, one in two policyholders considers switching insurers. This figure guides the assessment but does not replace the individual’s decision.

4. Assess the affordability of the premium. One-quarter of participants report difficulty paying; therefore, the comparison must include the practical ability to cover the monthly expense, not just interest in another insurer.

From Review to Choice

The frequency of the review can be tailored to the profile indicated by the survey. Young adults between the ages of 18 and 29, as well as residents of Ticino and French-speaking Switzerland, review their insurance more often than average. For those in these groups, regular review is already the behavior observed in the survey; for others, the survey still indicates that annual review is the practice of the majority.

The most prudent approach is to distinguish between three elements: the announced average premium, the increase applicable to one’s own situation, and the actual difficulty in paying. Only after this review can one decide whether to consider switching health insurance plans, as the policyholders described by Deloitte do. To complement the premium review with an analysis of disposable income, use calcolatore stipendio.

Source: rsi.ch