For many Swiss households, the next premium round begins long before the letter from their health insurer arrives. After several years of steep increases, the uncomfortable question is: How much more will health insurance cost in 2027?
The definitive premiums won't be announced until the end of September. Based on where things stand today, however, much points to a further increase — one that should be more moderate than in recent years. For the average health insurance premium, an increase of roughly 3.5 to 4 percent currently looks like a plausible base-case scenario. Depending on canton, insurer, model, and deductible, an individual household's actual development can deviate significantly from that average.
What drives healthcare costs?
But behind this expected premium trend lies a more fundamental question: health insurance premiums have risen significantly faster than overall healthcare costs in recent years. Understanding why requires more than just looking at how healthcare spending has evolved — just as important is how the Swiss healthcare system is financed, and what share of those costs ultimately runs through basic insurance.
In our latest analysis, we therefore examine what drives healthcare costs over the long term, why premiums have risen so sharply in recent years, and what this means for 2027 and the years ahead.
Read our full analysis on healthcare insurance premiums 2027!
