FinanceLibre Santé 2027 — Health insurance premiums and deductibles

The lowest premium doesn't necessarily mean the lowest annual cost.

Before choosing your 2027 Swiss health insurance, look beyond the monthly premium. A higher deductible can reduce premiums but increase what you pay towards medical expenses. FinanceLibre Santé 2027 helps you examine this trade-off using practical scenarios.

For CHF 9.90, turn a list of premiums into an understandable financial comparison. One-time payment, no subscription.

What decisions can this tool help you make?

• CHF 300 or CHF 2,500 deductible? Test different levels of medical expenses to see how simulated annual costs change across plans.
• Two premiums, two models: what's the difference over a year? Compare two offers directly, even when their deductibles or insurance models differ, and understand the gaps.
• Does a lower monthly premium tell the whole story? Consider both premiums and cost-sharing in the annual cost simulation, rather than judging the monthly premium alone.
• What about your household? Add together the gross premiums of selected plans to see your household insurance budget.
• What should you check before switching? Read explanations of care models, contractual restrictions and the steps involved in changing insurer.

Your advantage: Go beyond a list of prices and explore the financial consequences of different choices, with limitations clearly explained.

Built for Switzerland

Explore gross 2027 compulsory health insurance (LAMal) premiums published by the Swiss Federal Office of Public Health, searchable by canton and municipality across all 26 cantons. Compare two offers, simulate annual costs for educational purposes, review household premiums and use an interface available in seven languages.

Personal access to the 2027 edition: CHF 9.90 one time, no subscription. Access until 31 December 2027 inclusive (Swiss time).

How do you access the tool after purchase?

Once your order is confirmed, open the FinanceLibre Santé 2027 and sign in using the same email address you used at checkout. Your purchase is checked automatically; no code is required.

Open the Santé 2027 comparison tool

Save this link. If you checked out as a guest, create your Shopify customer account using the same email address. If you need help, contact FinanceLibre through the store's Contact page.

Important information before comparing

Results use gross 2027 premiums published by the FOPH and educational simulations, not the net premiums actually invoiced. Premium subsidies, environmental levy redistributions, supplementary insurance under the ICA and certain contractual restrictions are not included in the comparisons. Simulated costs do not guarantee savings. Always check the insurer's exact terms before switching.

Sources: 2027 premium data published by the FOPH / Priminfo. FinanceLibre is a private independent service, not affiliated with the FOPH or the Swiss Confederation.