# Health insurance premiums 2027 – Canton of Lucerne: the cheapest insurers

> 2027 basic health insurance (KVG/LAMal) premiums in the canton of Lucerne: cheapest adult premium from CHF 468.65 a month (Krankenkasse Luzerner Hinterland), children, young adults, 25 insurers, 3 regions, average rise +4.5%. Official FOPH data.

https://premimatch.ch/en/premiums/lucerne/ · 2026-10-01 · 2026-09-29 (OFSP/BAG) · https://premimatch.ch/en/premiums/lucerne.md

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Premiums 2027 · Canton of Lucerne

# Health insurance premiums 2027 in the canton of Lucerne

The canton of Lucerne has 3 premium regions. In 2027, the cheapest monthly basic insurance premium for an adult (26 and over, with accident cover, CHF 300 deductible, standard model) in the canton of Lucerne is **CHF 468.65** with Krankenkasse Luzerner Hinterland (region 3). With an alternative model and the CHF 2'500 deductible it drops to **CHF 312.20** (Krankenkasse Luzerner Hinterland – Telmed). The dearest standard premium reaches CHF 677.20, that is **CHF 2'503 more a year** for the same care.

Official 2027 FOPH premiums, published on 29.09.2026. Page updated on 01.10.2026.

- **468.65** cheapest adult premium a month (CHF), standard, CHF 300 deductible
- **312.20** cheapest across all models (CHF), CHF 2,500 deductible
- **25** health insurers active in the canton
- **+4.5%** average rise of the standard model vs 2026

**60 days** left to switch insurer: your cancellation letter must arrive by 30 November 2026. [Switch insurer in 5 steps](https://premimatch.ch/en/changer/)

## Premium region 1: Luzern, Ebikon, Horw…

For an adult with accident cover, the cheapest standard offer in region 1 is **Krankenkasse Luzerner Hinterland at CHF 527.65 a month** (CHF 300 deductible), against CHF 502.55 in 2026. Across all models, the cheapest is Atupri – HMO (family doctor) at CHF 474.60. With the CHF 2,500 deductible it falls to CHF 346.30 (Atupri – HMO (family doctor)). The median standard premium is CHF 582.50. On average, standard-model premiums rise by +4.2% compared with 2026.

**Monthly premium in CHF, region 1 of the canton of Lucerne, 2027, with accident cover**

| Profile | Standard, min. deductible | All models, min. deductible | All models, max. deductible | Dearest standard | Gap per year |
| --- | --- | --- | --- | --- | --- |
| Adults (26+) | CHF 527.65 | CHF 474.60 | CHF 346.30 | CHF 677.20 | CHF 1'795 |
| Young adults (19–25) | CHF 368.10 | CHF 353.40 | CHF 225.10 | CHF 499.80 | CHF 1'580 |
| Children (0–18) | CHF 124.00 | CHF 110.60 | CHF 75.60 | CHF 165.80 | CHF 502 |

Minimum deductible: CHF 300 for adults and young adults, CHF 0 for children. Maximum deductible: CHF 2,500 (adults, young adults) and CHF 600 (children). "Standard" = free choice of doctor. The gap per year compares the dearest and the cheapest standard premium at the minimum deductible.

### The cheapest offers in region 1

- **Adults (26 and over)**: Krankenkasse Luzerner Hinterland, CHF 527.65 (standard model, CHF 300 deductible) · all models: Atupri – HMO (family doctor), CHF 474.60 · CHF 2'500 deductible: Atupri – HMO (family doctor), CHF 346.30
- **Young adults (19 to 25)**: Sanitas, CHF 368.10 (standard model, CHF 300 deductible) · all models: Sanitas – Hausarztmodell 1 (family doctor), CHF 353.40 · CHF 2'500 deductible: Sanitas – Hausarztmodell 1 (family doctor), CHF 225.10
- **Children (0 to 18)**: Krankenkasse Luzerner Hinterland, CHF 124.00 (standard model, CHF 0 deductible) · all models: ÖKK – ÖKK CASAMED HMO (family doctor), CHF 110.60 · CHF 600 deductible: ÖKK – ÖKK CASAMED HMO (family doctor), CHF 75.60

For a child, the cheapest standard premium is CHF 124.00 a month (Krankenkasse Luzerner Hinterland, CHF 0 deductible) and CHF 75.60 with the CHF 600 deductible (ÖKK – ÖKK CASAMED HMO (family doctor)).

Municipalities of region 1 (5): Luzern, Ebikon, Horw, Kriens, Emmen. Type your postcode into the comparator to find your region.

## Premium region 2: Ruswil, Neuenkirch, Root…

For an adult with accident cover, the cheapest standard offer in region 2 is **Krankenkasse Luzerner Hinterland at CHF 489.65 a month** (CHF 300 deductible), against CHF 468.55 in 2026. Across all models, the cheapest is Agrisano – AGRIsmart (telmed) at CHF 451.70. With the CHF 2,500 deductible it falls to CHF 330.10 (Concordia – HMO (family doctor)). The median standard premium is CHF 547.60. On average, standard-model premiums rise by +4.5% compared with 2026.

**Monthly premium in CHF, region 2 of the canton of Lucerne, 2027, with accident cover**

| Profile | Standard, min. deductible | All models, min. deductible | All models, max. deductible | Dearest standard | Gap per year |
| --- | --- | --- | --- | --- | --- |
| Adults (26+) | CHF 489.65 | CHF 451.70 | CHF 330.10 | CHF 650.20 | CHF 1'927 |
| Young adults (19–25) | CHF 357.30 | CHF 329.70 | CHF 211.00 | CHF 474.20 | CHF 1'403 |
| Children (0–18) | CHF 114.90 | CHF 99.40 | CHF 69.10 | CHF 162.60 | CHF 572 |

Minimum deductible: CHF 300 for adults and young adults, CHF 0 for children. Maximum deductible: CHF 2,500 (adults, young adults) and CHF 600 (children). "Standard" = free choice of doctor. The gap per year compares the dearest and the cheapest standard premium at the minimum deductible.

### The cheapest offers in region 2

- **Adults (26 and over)**: Krankenkasse Luzerner Hinterland, CHF 489.65 (standard model, CHF 300 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 451.70 · CHF 2'500 deductible: Concordia – HMO (family doctor), CHF 330.10
- **Young adults (19 to 25)**: Sanitas, CHF 357.30 (standard model, CHF 300 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 329.70 · CHF 2'500 deductible: Concordia – HMO (family doctor), CHF 211.00
- **Children (0 to 18)**: Agrisano, CHF 114.90 (standard model, CHF 0 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 99.40 · CHF 600 deductible: Agrisano – AGRIsmart (telmed), CHF 69.10

For a child, the cheapest standard premium is CHF 114.90 a month (Agrisano, CHF 0 deductible) and CHF 69.10 with the CHF 600 deductible (Agrisano – AGRIsmart (telmed)).

Municipalities of region 2 (19): Ruswil, Neuenkirch, Root, Oberkirch, Malters, Buchrain, Rothenburg, Schenkon, Werthenstein, Wolhusen, Adligenswil, Dierikon, Eich, Meggen and others. Type your postcode into the comparator to find your region.

## Premium region 3: Willisau, Hitzkirch, Entlebuch…

For an adult with accident cover, the cheapest standard offer in region 3 is **Krankenkasse Luzerner Hinterland at CHF 468.65 a month** (CHF 300 deductible), against CHF 452.80 in 2026. Across all models, the cheapest is Agrisano – AGRIsmart (telmed) at CHF 439.70. With the CHF 2,500 deductible it falls to CHF 312.20 (Krankenkasse Luzerner Hinterland – Telmed). The median standard premium is CHF 536.00. On average, standard-model premiums rise by +4.8% compared with 2026.

**Monthly premium in CHF, region 3 of the canton of Lucerne, 2027, with accident cover**

| Profile | Standard, min. deductible | All models, min. deductible | All models, max. deductible | Dearest standard | Gap per year |
| --- | --- | --- | --- | --- | --- |
| Adults (26+) | CHF 468.65 | CHF 439.70 | CHF 312.20 | CHF 636.60 | CHF 2'015 |
| Young adults (19–25) | CHF 346.00 | CHF 321.00 | CHF 200.30 | CHF 464.30 | CHF 1'420 |
| Children (0–18) | CHF 110.15 | CHF 96.70 | CHF 66.40 | CHF 158.20 | CHF 577 |

Minimum deductible: CHF 300 for adults and young adults, CHF 0 for children. Maximum deductible: CHF 2,500 (adults, young adults) and CHF 600 (children). "Standard" = free choice of doctor. The gap per year compares the dearest and the cheapest standard premium at the minimum deductible.

### The cheapest offers in region 3

- **Adults (26 and over)**: Krankenkasse Luzerner Hinterland, CHF 468.65 (standard model, CHF 300 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 439.70 · CHF 2'500 deductible: Krankenkasse Luzerner Hinterland – Telmed, CHF 312.20
- **Young adults (19 to 25)**: Sanitas, CHF 346.00 (standard model, CHF 300 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 321.00 · CHF 2'500 deductible: Atupri – HMO (family doctor), CHF 200.30
- **Children (0 to 18)**: Krankenkasse Luzerner Hinterland, CHF 110.15 (standard model, CHF 0 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 96.70 · CHF 600 deductible: Agrisano – AGRIsmart (telmed), CHF 66.40

For a child, the cheapest standard premium is CHF 110.15 a month (Krankenkasse Luzerner Hinterland, CHF 0 deductible) and CHF 66.40 with the CHF 600 deductible (Agrisano – AGRIsmart (telmed)).

Municipalities of region 3 (55): Willisau, Hitzkirch, Entlebuch, Escholzmatt-Marbach, Reiden, Altishofen, Beromünster, Dagmersellen, Hohenrain, Römerswil, Flühli, Hergiswil bei Willisau, Hochdorf, Luthern and others. Type your postcode into the comparator to find your region.

## The 25 health insurers active in the canton of Lucerne

[Agrisano](https://premimatch.ch/en/insurers/agrisano/), [Aquilana](https://premimatch.ch/en/insurers/aquilana/), [Assura](https://premimatch.ch/en/insurers/assura/), [Atupri](https://premimatch.ch/en/insurers/atupri/), [Avenir](https://premimatch.ch/en/insurers/avenir/), [Concordia](https://premimatch.ch/en/insurers/concordia/), [CSS](https://premimatch.ch/en/insurers/css/), [EGK](https://premimatch.ch/en/insurers/egk/), [Einsiedler Krankenkasse](https://premimatch.ch/en/insurers/einsiedler-krankenkasse/), [Galenos](https://premimatch.ch/en/insurers/galenos/), [Helsana](https://premimatch.ch/en/insurers/helsana/), [KPT](https://premimatch.ch/en/insurers/kpt/), [Krankenkasse Luzerner Hinterland](https://premimatch.ch/en/insurers/krankenkasse-luzerner-hinterland/), [Mutuel Assurance](https://premimatch.ch/en/insurers/mutuel-assurance/), [ÖKK](https://premimatch.ch/en/insurers/oekk/), [Philos](https://premimatch.ch/en/insurers/philos/), [rhenusana](https://premimatch.ch/en/insurers/rhenusana/), [sana24](https://premimatch.ch/en/insurers/sana24/), [Sanitas](https://premimatch.ch/en/insurers/sanitas/), [SLKK](https://premimatch.ch/en/insurers/slkk/), [Sumiswalder Krankenkasse](https://premimatch.ch/en/insurers/sumiswalder-krankenkasse/), [SWICA](https://premimatch.ch/en/insurers/swica/), [Sympany](https://premimatch.ch/en/insurers/sympany/), [Visana](https://premimatch.ch/en/insurers/visana/), [vita surselva](https://premimatch.ch/en/insurers/vita-surselva/).

All of them offer exactly the same benefits for basic insurance. None may turn you down. Each insurer has its own page: premiums by canton, rank, models.

## Frequently asked questions

### 1. Which health insurer is the cheapest in the canton of Lucerne in 2027?

For an adult with accident cover, standard model and CHF 300 deductible, it is Krankenkasse Luzerner Hinterland at CHF 468.65 a month (region 3). By accepting an alternative model (family doctor, telemedicine) and the CHF 2,500 deductible, the lowest premium is CHF 312.20 with Krankenkasse Luzerner Hinterland – Telmed. The cheapest insurer depends on your age, deductible and model: the comparator gives the full ranking for your profile.

### 2. How much does basic insurance cost for a child in the canton of Lucerne?

In 2027, the cheapest standard premium for a child (0 to 18, CHF 0 deductible) in the canton of Lucerne is CHF 110.15 a month with Krankenkasse Luzerner Hinterland, and the dearest CHF 165.80. Children pay no more than CHF 350 of co-payment a year and no deductible is compulsory.

### 3. Are premiums rising in the canton of Lucerne in 2027?

Yes: for adults on the standard model (CHF 300 deductible), premiums in the canton of Lucerne rise by +4.5% on average between 2026 and 2027, against an average rise of +5.0% in Switzerland according to the FOPH. The rise differs from one insurer to the next, which often changes the ranking: compare every autumn.

### 4. Until when can you switch insurer in the canton of Lucerne for 2027?

As everywhere in Switzerland, the cancellation letter must reach your current insurer by 30 November 2026 at the latest. The switch takes effect on 1 January 2027. See [switch insurer in 5 steps](https://premimatch.ch/en/changer/).

Source: Federal Office of Public Health (FOPH), approved 2027 premiums, [opendata.swiss](https://opendata.swiss/en/dataset/health-insurance-premiums) dataset of 29.09.2026, processed by PremiMatch on 01.10.2026. Figures with accident cover; employees working 8 hours a week or more pay slightly less without it. Always check your offer on [priminfo.admin.ch](https://www.priminfo.admin.ch/).

## 2027 premiums in the other cantons

- [Aargau](https://premimatch.ch/en/premiums/aargau/)
- [Appenzell Ausserrhoden](https://premimatch.ch/en/premiums/appenzell-ausserrhoden/)
- [Appenzell Innerrhoden](https://premimatch.ch/en/premiums/appenzell-innerrhoden/)
- [Basel-Landschaft](https://premimatch.ch/en/premiums/basel-landschaft/)
- [Basel-Stadt](https://premimatch.ch/en/premiums/basel-stadt/)
- [Bern](https://premimatch.ch/en/premiums/bern/)
- [Fribourg](https://premimatch.ch/en/premiums/fribourg/)
- [Geneva](https://premimatch.ch/en/premiums/geneva/)
- [Glarus](https://premimatch.ch/en/premiums/glarus/)
- [Graubünden](https://premimatch.ch/en/premiums/graubunden/)
- [Jura](https://premimatch.ch/en/premiums/jura/)
- [Neuchâtel](https://premimatch.ch/en/premiums/neuchatel/)
- [Nidwalden](https://premimatch.ch/en/premiums/nidwalden/)
- [Obwalden](https://premimatch.ch/en/premiums/obwalden/)
- [Schaffhausen](https://premimatch.ch/en/premiums/schaffhausen/)
- [Schwyz](https://premimatch.ch/en/premiums/schwyz/)
- [Solothurn](https://premimatch.ch/en/premiums/solothurn/)
- [St. Gallen](https://premimatch.ch/en/premiums/st-gallen/)
- [Thurgau](https://premimatch.ch/en/premiums/thurgau/)
- [Ticino](https://premimatch.ch/en/premiums/ticino/)
- [Uri](https://premimatch.ch/en/premiums/uri/)
- [Valais](https://premimatch.ch/en/premiums/valais/)
- [Vaud](https://premimatch.ch/en/premiums/vaud/)
- [Zug](https://premimatch.ch/en/premiums/zug/)
- [Zurich](https://premimatch.ch/en/premiums/zurich/)

[Comparison of the 26 cantons](https://premimatch.ch/en/premiums/) · [All health insurers](https://premimatch.ch/en/insurers/) · [Understand Swiss health insurance](https://premimatch.ch/en/guide/) · [Switch insurer](https://premimatch.ch/en/changer/) · [About and method](https://premimatch.ch/en/about/)

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