LAMal health insurance premiums in the Canton of Zurich for 2026 (cross-border guide)

Context

In a nutshell

• The LAMal awards for 2026 in the Canton of Zurich have been announced.
• Adult deductible ranges from CHF 300 to CHF 2500.
• The reduction in premiums is cantonal.

Key facts

• What: LAMal Awards for 2026 in the Canton of Zurich
• When: 2026
• Where: Canton Zurich
• Who: Social security institution
• Amount: CHF 300-2500

The new law provides for an increase in LAMal premiums for 2026 in the Canton of Zurich. The adult deductible ranges from CHF 300 to CHF 2500. The reduction in premiums is cantonal.

The reform of the LAMal premiums in the Canton of Zurich

The reform of the LAMal awards is a hot topic among the citizens of the Canton of Zurich. The aim is to ensure adequate health coverage for all citizens, without compromising the sustainability of the system. The law provides for an increase in LAMal premiums for 2026, with a deductible ranging from CHF 300 to CHF 2500 for adults.

The premium reduction is cantonal

Reducing premiums is an important aspect of the reform. The Canton of Zurich has decided to reduce LAMal premiums for 2026, with the aim of reducing the tax burden on citizens. The premium reduction is cantonal, so it applies to all citizens of the Canton of Zurich, regardless of their age or health condition.

Concrete examples

For example, if a citizen of the Canton of Zurich has an income of CHF 50,000 per year and has to pay a LAMal premium of CHF1,500, the new premium for 2026 will be CHF

Operational details

LAMal health insurance premiums in the Canton of Zurich for 2026

LAMal health insurance is private insurance at per capita premiums, not a tax or salary contribution. Premiums are fixed by canton and award region. The premium reduction is applied to all cantons.

In the Canton of Zurich, the maximum premium for LAMal health insurance for 2026 is CHF 4,570. The minimum premium is CHF 2,560. The premium reduction is CHF 1,010, which means that citizens of the Canton of Zurich will be able to save up to CHF1,010 depending on their premium.

The premium reduction is applied to all cantons, but the maximum and minimum premiums vary depending on the canton. In the Canton of Bern, for example, the maximum premium for LAMal health insurance for 2026 is CHF 4,380, while in the Canton of Ticino it is CHF4,740.

Concrete examples

A worker from Zurich who earns CHF 80'000 per year and pays a premium of CHF 3'500 for LAMal health insurance could save CHF 1'010 thanks to the premium reduction. This means that his new premium would be CHF 2,490.

Another person who earns CHF 60'000 per year and pays a premium of CHF 2'800 for LAMal health insurance could save CHF 1'010 thanks to the premium reduction. This means that his new premium would be CHF 1,790.

Regulations and dates

The reduction of premiums was announced by the Ministry of Health in 2023. The legislation is

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Key points

LAMal health insurance premiums in the Canton of Zurich for 2026

For details on LAMal premiums for 2026 in the Canton of Zurich, you can consult the pension institution's website or contact a financial advisor. It is important to note that awards may vary depending on the award region.

LAMal is a public organisation that provides health insurance to the citizens of the Canton of Zurich. LAMal awards are determined annually and may vary depending on the region of residence. In 2026, the LAMal premiums for the Canton of Zurich were set as follows:

• For taxpayers living in the Zürich region, the LAMal premium for 2026 is CHF 3,500 for the year.
• For taxpayers living in the Winterthur region, the LAMal premium for 2026 is CHF 3,200 for the year.
• For taxpayers living in the Uster region, the LAMal premium for 2026 is CHF 3,000 for the year.

It is important to note that these premiums are subject to change depending on the region of residence and may be influenced by factors such as the age and health status of the taxpayer.

To get a more precise idea of the LAMal awards for 2026, you can consult the following table:

All taxpayers in the Canton of Zurich who pay the LAMal premium

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