# Health insurance premiums 2027 – Canton of St. Gallen: the cheapest insurers

> 2027 basic health insurance (KVG/LAMal) premiums in the canton of St. Gallen: cheapest adult premium from CHF 488.00 a month (Agrisano), children, young adults, 25 insurers, 3 regions, average rise +3.9%. Official FOPH data.

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

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Premiums 2027 · Canton of St. Gallen

# Health insurance premiums 2027 in the canton of St. Gallen

The canton of St. Gallen 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 St. Gallen is **CHF 488.00** with Agrisano (region 3). With an alternative model and the CHF 2'500 deductible it drops to **CHF 311.10** (Agrisano – AGRIsmart (telmed)). The dearest standard premium reaches CHF 730.50, that is **CHF 2'910 more a year** for the same care.

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

- **488.00** cheapest adult premium a month (CHF), standard, CHF 300 deductible
- **311.10** cheapest across all models (CHF), CHF 2,500 deductible
- **25** health insurers active in the canton
- **+3.9%** 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: St. Gallen, Niederhelfenschwil, Wil (SG)…

For an adult with accident cover, the cheapest standard offer in region 1 is **Agrisano at CHF 560.50 a month** (CHF 300 deductible), against CHF 536.40 in 2026. Across all models, the cheapest is ÖKK – ÖKK CASAMED HMO (family doctor) at CHF 494.60. With the CHF 2,500 deductible it falls to CHF 371.70 (Sanitas – Hausarztmodell 1 (family doctor)). The median standard premium is CHF 598.80. On average, standard-model premiums rise by +4.0% compared with 2026.

**Monthly premium in CHF, region 1 of the canton of St. Gallen, 2027, with accident cover**

| Profile | Standard, min. deductible | All models, min. deductible | All models, max. deductible | Dearest standard | Gap per year |
| --- | --- | --- | --- | --- | --- |
| Adults (26+) | CHF 560.50 | CHF 494.60 | CHF 371.70 | CHF 730.50 | CHF 2'040 |
| Young adults (19–25) | CHF 378.15 | CHF 358.60 | CHF 234.70 | CHF 556.50 | CHF 2'140 |
| Children (0–18) | CHF 123.30 | CHF 108.90 | CHF 73.90 | CHF 176.50 | CHF 638 |

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)**: Agrisano, CHF 560.50 (standard model, CHF 300 deductible) · all models: ÖKK – ÖKK CASAMED HMO (family doctor), CHF 494.60 · CHF 2'500 deductible: Sanitas – Hausarztmodell 1 (family doctor), CHF 371.70
- **Young adults (19 to 25)**: Sanitas, CHF 378.15 (standard model, CHF 300 deductible) · all models: ÖKK – ÖKK CASAMED HMO (family doctor), CHF 358.60 · CHF 2'500 deductible: Sanitas – Hausarztmodell 1 (family doctor), CHF 234.70
- **Children (0 to 18)**: Agrisano, CHF 123.30 (standard model, CHF 0 deductible) · all models: ÖKK – ÖKK CASAMED HMO (family doctor), CHF 108.90 · CHF 600 deductible: ÖKK – ÖKK CASAMED HMO (family doctor), CHF 73.90

For a child, the cheapest standard premium is CHF 123.30 a month (Agrisano, CHF 0 deductible) and CHF 73.90 with the CHF 600 deductible (ÖKK – ÖKK CASAMED HMO (family doctor)).

Municipalities of region 1 (8): St. Gallen, Niederhelfenschwil, Wil (SG), Gossau (SG), Oberbüren, Gaiserwald, Zuzwil (SG), Niederbüren. Type your postcode into the comparator to find your region.

## Premium region 2: Eschenbach (SG), Kirchberg (SG), Flums…

For an adult with accident cover, the cheapest standard offer in region 2 is **Agrisano at CHF 509.90 a month** (CHF 300 deductible), against CHF 487.90 in 2026. Across all models, the cheapest is Agrisano – AGRIsmart (telmed) at CHF 441.10. With the CHF 2,500 deductible it falls to CHF 327.90 (Atupri – HMO (family doctor)). The median standard premium is CHF 554.30. On average, standard-model premiums rise by +4.0% compared with 2026.

**Monthly premium in CHF, region 2 of the canton of St. Gallen, 2027, with accident cover**

| Profile | Standard, min. deductible | All models, min. deductible | All models, max. deductible | Dearest standard | Gap per year |
| --- | --- | --- | --- | --- | --- |
| Adults (26+) | CHF 509.90 | CHF 441.10 | CHF 327.90 | CHF 664.80 | CHF 1'859 |
| Young adults (19–25) | CHF 368.95 | CHF 322.00 | CHF 211.00 | CHF 500.80 | CHF 1'582 |
| Children (0–18) | CHF 112.20 | CHF 97.10 | CHF 66.80 | CHF 180.00 | CHF 814 |

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)**: Agrisano, CHF 509.90 (standard model, CHF 300 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 441.10 · CHF 2'500 deductible: Atupri – HMO (family doctor), CHF 327.90
- **Young adults (19 to 25)**: Sanitas, CHF 368.95 (standard model, CHF 300 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 322.00 · CHF 2'500 deductible: Agrisano – AGRIsmart (telmed), CHF 211.00
- **Children (0 to 18)**: Agrisano, CHF 112.20 (standard model, CHF 0 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 97.10 · CHF 600 deductible: Agrisano – AGRIsmart (telmed), CHF 66.80

For a child, the cheapest standard premium is CHF 112.20 a month (Agrisano, CHF 0 deductible) and CHF 66.80 with the CHF 600 deductible (Agrisano – AGRIsmart (telmed)).

Municipalities of region 2 (44): Eschenbach (SG), Kirchberg (SG), Flums, Quarten, Rapperswil-Jona, Uzwil, Walenstadt, Wartau, Gommiswald, Waldkirch, Mels, Oberuzwil, Pfäfers, Eggersriet and others. Type your postcode into the comparator to find your region.

## Premium region 3: Neckertal, Mosnang, Altstätten…

For an adult with accident cover, the cheapest standard offer in region 3 is **Agrisano at CHF 488.00 a month** (CHF 300 deductible), against CHF 467.00 in 2026. Across all models, the cheapest is Agrisano – AGRIsmart (telmed) at CHF 422.10. With the CHF 2,500 deductible it falls to CHF 311.10 (Agrisano – AGRIsmart (telmed)). The median standard premium is CHF 533.60. On average, standard-model premiums rise by +3.6% compared with 2026.

**Monthly premium in CHF, region 3 of the canton of St. Gallen, 2027, with accident cover**

| Profile | Standard, min. deductible | All models, min. deductible | All models, max. deductible | Dearest standard | Gap per year |
| --- | --- | --- | --- | --- | --- |
| Adults (26+) | CHF 488.00 | CHF 422.10 | CHF 311.10 | CHF 657.50 | CHF 2'034 |
| Young adults (19–25) | CHF 351.50 | CHF 308.10 | CHF 197.10 | CHF 482.90 | CHF 1'577 |
| Children (0–18) | CHF 107.40 | CHF 92.90 | CHF 62.60 | CHF 169.40 | CHF 744 |

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)**: Agrisano, CHF 488.00 (standard model, CHF 300 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 422.10 · CHF 2'500 deductible: Agrisano – AGRIsmart (telmed), CHF 311.10
- **Young adults (19 to 25)**: Sanitas, CHF 351.50 (standard model, CHF 300 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 308.10 · CHF 2'500 deductible: Agrisano – AGRIsmart (telmed), CHF 197.10
- **Children (0 to 18)**: Agrisano, CHF 107.40 (standard model, CHF 0 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 92.90 · CHF 600 deductible: Agrisano – AGRIsmart (telmed), CHF 62.60

For a child, the cheapest standard premium is CHF 107.40 a month (Agrisano, CHF 0 deductible) and CHF 62.60 with the CHF 600 deductible (Agrisano – AGRIsmart (telmed)).

Municipalities of region 3 (23): Neckertal, Mosnang, Altstätten, Lütisburg, Wattwil, Bütschwil-Ganterschwil, Nesslau, Grabs, Sennwald, Berneck, Oberriet (SG), Wildhaus-Alt St. Johann, Balgach, Degersheim and others. Type your postcode into the comparator to find your region.

## The 25 health insurers active in the canton of St. Gallen

[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/), [Glarner Krankenversicherung](https://premimatch.ch/en/insurers/glarner-krankenversicherung/), [Helsana](https://premimatch.ch/en/insurers/helsana/), [KPT](https://premimatch.ch/en/insurers/kpt/), [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 St. Gallen in 2027?

For an adult with accident cover, standard model and CHF 300 deductible, it is Agrisano at CHF 488.00 a month (region 3). By accepting an alternative model (family doctor, telemedicine) and the CHF 2,500 deductible, the lowest premium is CHF 311.10 with Agrisano – AGRIsmart (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 St. Gallen?

In 2027, the cheapest standard premium for a child (0 to 18, CHF 0 deductible) in the canton of St. Gallen is CHF 107.40 a month with Agrisano, and the dearest CHF 180.00. 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 St. Gallen in 2027?

Yes: for adults on the standard model (CHF 300 deductible), premiums in the canton of St. Gallen rise by +3.9% 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 St. Gallen 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/)
- [Lucerne](https://premimatch.ch/en/premiums/lucerne/)
- [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/)
- [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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