Every autumn, premium increases push people to switch fund. But the lowest premium isn't always the right choice. Here's what you should really look at.
It's now official: the 2027 health insurance premiums have been announced. Nationally, the average increase is 5.0%, and the average monthly premium crosses the 400-franc mark for the first time, at 412 francs. In Geneva, the increase is 4.4%. Here's what it means for you, and how to limit the bill.
According to the Federal Office of Public Health (FOPH), this new increase is mainly explained by the growing number of treatments, the ageing population and medical progress, with no sign of a slowdown in the short term.
At +4.4%, Geneva remains one of the cantons with the highest premiums in Switzerland. To cushion the blow, the canton plans to raise its subsidy budget, from around 760 million in 2026 to nearly 830 million for 2027. All the more reason to check whether you're entitled.
One key point: basic insurance (LAMal) benefits are identical across all insurers. Only the price, model and service change. For identical benefits, the gap between two funds can exceed several hundred francs a year. You'll receive your new premiums by post by the end of October: now is the time to compare.
To go further, our guide on rising premiums: how to pay less details each lever.
Comparing over 50 insurers, optimising your deductible and model, checking the subsidy and handling the cancellation on time: that's our job. The review is free and with no obligation, we're paid by the insurers, never by you. But mind the calendar: 30 November is approaching fast.
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