# PremiMatch – Find the right Swiss health insurance premium for 2027 > PremiMatch: find the right basic health insurance premium for 2027 in Switzerland. Official FOPH data, no calls, no sign-up. https://premimatch.ch/en/ · 2026-10-01 · 2026-09-29 (OFSP/BAG) · https://premimatch.ch/en/index.md Basic insurance · 2027 # Are you paying too much for your health insurance? The cover is **the same with every insurer**. Only the price changes. Six questions are all it takes. **60 days left to switch insurer** Your letter must *arrive* by 30 November 2026. [Switch insurer in 5 steps](https://premimatch.ch/en/changer/) - **Official data** Premiums approved by the FOPH - **No sign-up** No name, no phone number - **No calls** No brokers ## How it works 1. **Answer six simple questions.** Postcode, age, accident cover, health (or the exact amount of your costs), model, current insurer. One question per screen. 2. **See every 2027 offer, from the cheapest to the dearest.** Every insurer, every model, the total cost of each deductible given your medical costs, and your possible saving. 3. **Switch insurer in 5 steps.** Deadline, what to do and a cancellation letter ready to print. ## Frequently asked questions ### 1. Which is the cheapest Swiss health insurer in 2027? There is no single answer: the cheapest insurer depends on your canton and premium region, your age, your deductible and the insurance model. For the same cover, the gap between the cheapest and the dearest insurer often exceeds CHF 1,000 a year. The comparator above gives the full ranking for your situation. The [2027 premiums by canton](https://premimatch.ch/en/premiums/) page shows the cheapest premium of every canton and region, and every [health insurer](https://premimatch.ch/en/insurers/) has its page with its premiums and rank. ### 2. Until when can you switch health insurer for 2027? Your cancellation letter must **arrive** at your current insurer by **30 November 2026** at the latest, the last working day of November. Send it by registered post a few days before. The switch takes effect on 1 January 2027. See [switch insurer in 5 steps](https://premimatch.ch/en/changer/). ### 3. Are the benefits the same with every insurer? Yes. For basic insurance (KVG/LAMal), the list of reimbursed treatments is set by law and identical with every insurer. A cheaper insurer does not reimburse less, and no insurer may refuse you for basic insurance, whatever your age or health. ### 4. Which deductible should I choose: 300 or 2,500? If you have few medical costs (less than about CHF 1,800 a year), the CHF 2,500 deductible costs the least overall. With regular costs (chronic illness, medication every month), choose CHF 300. The intermediate deductibles are rarely worthwhile. The comparator works out the cheapest deductible for you: premium + deductible + 10 % co-payment (at most CHF 700 a year), and a slider shows you the total cost of each deductible given your costs. ### 5. By how much are premiums rising in 2027? According to the FOPH (press release of 29 September 2026), the average premium rises by +5.0% in 2027 to CHF 412.– a month: CHF 487.60 on average for adults and CHF 128.10 for children. The rise varies a lot by canton and insurer, which is why it pays to compare every year. ### 6. Where does PremiMatch's data come from? From the 2027 premiums approved by the Federal Office of Public Health (FOPH) and published as open data on [opendata.swiss](https://opendata.swiss/en/dataset/health-insurance-premiums) (dataset of 29.09.2026): the same as the official calculator priminfo.admin.ch. We check them every week (last update: 01.10.2026). ### 7. Is PremiMatch free and independent? Yes. PremiMatch asks for no name, phone number or email, sends no data and receives no money from insurers for the ranking. Everything is calculated in your browser, in nine languages. It is not a government website: the official calculator is priminfo.admin.ch. [More about our method](https://premimatch.ch/en/about/). ### 8. How do I cancel my basic insurance? With a cancellation letter sent by registered post to your current insurer, which must arrive before 30 November 2026. Cancel basic insurance only, never your supplementary insurance before you have been accepted elsewhere. Our [letter generator](https://premimatch.ch/en/changer/) prepares the text for you, in German, French or Italian depending on your insurer.