Health insurance comparison 2027: how to compare premiums in Switzerland

With the publication of the new 2027 premiums, many insured people face the same question: how can I tell whether my premium is still competitive?

Comparing health insurers can help answer this, but doing it correctly takes more than looking at which insurer offers the lowest monthly premium. The premium depends on your personal situation and on the conditions of the basic insurance.

What does the health insurance premium depend on?

The first element to consider is your place of residence. In some cantons, including Ticino, there are different premium regions and your municipality of residence determines the applicable region. In Ticino there are two premium regions and the premiums applied in the different areas may differ.

Age also affects the premium. Insurers distinguish between minors, young adults and adults, with different premiums for each category.

Another important factor is the deductible. Choosing a higher deductible may mean a lower monthly premium, but it also means taking on a larger share of healthcare costs during the year.

Finally, you need to consider the insurance model and accident coverage. Two premiums that look very different may therefore refer to different conditions.

Comparing means putting equivalent conditions side by side

When comparing health insurance, it is important not to stop at the first amount shown.

For example, comparing a premium with a CHF 300 deductible with one calculated with a CHF 2,500 deductible does not allow you to assess the difference correctly.

The same applies to insurance models. A model that requires telemedicine, a primary care doctor or a specific care network may have a different premium from the standard model.

For this reason, the comparison must always start from the same insurance profile.

Comparing the 2027 premiums

The new 2027 premiums make this step particularly important. Nationally the average premium will rise by 5%, but this percentage does not necessarily represent the increase for an individual insured person.

Even within the same canton there can be significant differences between insurers and models.

With CassaOK you can compare the 2027 premiums by entering your profile details and get an overview of the alternatives available in your area.

This way the comparison does not start from a general ranking of health insurers, but from the concrete situation of the person.

Which is the most convenient health insurer?

There is no answer that is valid for everyone.

The insurer with the lowest premium for one person may not be the cheapest for another, because residence, age, deductible, insurance model and other conditions change.

For this reason, when talking about comparing health insurers, it is more useful to ask which premium is available for your own profile rather than looking for a single “cheapest” insurer in absolute terms.

With the new 2027 premiums, comparing your own situation helps you better understand how much you will pay next year and which alternatives are available in your region.