Health insurance premiums 2026 in Appenzell (AI)For a young adult aged 19 to 25 without accident cover
From 138.45 to 376.75 CHF a month depending on the deductible and the model
114 offers from 23 health insurers.
| # | Insurer | Model | Deductible | |||||
|---|---|---|---|---|---|---|---|---|
| 300 CHF | 500 CHF | 1'000 CHF | 1'500 CHF | 2'000 CHF | 2'500 CHF | |||
| 1 |  Sympany | callmed 24 | 239.55 | 228.75 | 201.65 | 174.45 | 147.85 | 147.85 |
| 2 | Sympany | casamed hmo | 239.55 | 228.75 | 201.65 | 174.45 | 147.85 | 147.85 |
| 3 |  Agrisano | AGRIsmart | 239.95 | 230.35 | 206.65 | 182.75 | 158.95 | 144.85 |
| 4 | Sympany | FlexHelp 24 | 245.25 | 234.35 | 207.35 | 180.15 | 152.95 | 147.85 |
| 5 | Sympany | casamed pharm | 245.25 | 234.35 | 207.35 | 180.15 | 152.95 | 147.85 |
| 6 |  ÖKK | HMO model | 251.05 | 240.25 | 213.05 | 185.95 | 158.85 | 153.15 |
| 7 |  CSS | HMO (health practice) | 252.75 | 241.95 | 214.85 | 187.65 | 160.55 | 138.45 |
| 8 | Agrisano | AGRIcontact | 252.75 | 242.75 | 217.75 | 192.55 | 167.45 | 147.05 |
| 9 | Agrisano | AGRIeco | 257.05 | 246.75 | 221.45 | 195.85 | 170.35 | 149.55 |
| 10 | CSS | Multimed | 258.85 | 248.05 | 220.85 | 193.75 | 166.65 | 139.45 |
| 11 | ÖKK | Family doctor | 259.85 | 249.05 | 221.95 | 194.75 | 167.65 | 153.15 |
| 12 | CSS | Hausarztversicherung Profit | 261.85 | 251.05 | 223.95 | 196.75 | 169.65 | 147.05 |
| 13 | CSS | Callmed | 261.85 | 251.05 | 223.95 | 196.75 | 169.65 | 147.05 |
| 14 | CSS | Standard model | 261.85 | 251.05 | 223.95 | 196.75 | 169.65 | 147.05 |
| 15 |  Atupri | HMO | 262.25 | 251.25 | 223.55 | 195.75 | 168.15 | 153.05 |
| See all | See all | See all | See all | See all | See all | |||
In 2026, for a young adult aged 19 to 25 in Appenzell, without accident cover, the cheapest health insurance premium is:
- 239.55 CHF a month with a 300 CHF deductible (Sympany, callmed 24)
- 138.45 CHF a month with a 2'500 CHF deductible (CSS, HMO (health practice))
Last modified:
Frequently asked questions
Which health insurance is the cheapest in Appenzell for a young adult aged 19 to 25 with a deductible of 300 CHF, without accident cover?
In 2026, without accident cover, the cheapest offer in Appenzell is Sympany (callmed 24) at 239.55 CHF a month. The cheapest standard model (free choice of doctor) is CSS (Standard model) at 261.85 CHF a month.
How much does health insurance cost in Appenzell in 2026 for a young adult aged 19 to 25?
For a young adult aged 19 to 25 with a deductible of 300 CHF and without accident cover, monthly premiums run from 239.55 CHF (Sympany, callmed 24) to 376.75 CHF (Groupe Mutuel – Avenir, Standard model): 114 offers from 23 health insurers. Average premium estimated by the FOPH for this premium region and age group, all models and all deductibles, weighted by insured numbers, before redistribution: 211.45 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 300 CHF or 2'500 CHF better in Appenzell for a young adult aged 19 to 25 without accident cover?
On the cheapest offer (Sympany, callmed 24), the premium goes from 239.55 CHF a month with the 300 CHF deductible to 147.85 CHF with the 2'500 CHF deductible: 91.70 CHF less a month, 1'100.40 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'523 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.
Which model is the cheapest in Appenzell for a young adult aged 19 to 25: standard, family doctor / HMO, flexible, telemedicine or pharmacy?
For a young adult aged 19 to 25 with a deductible of 300 CHF and without accident cover, the cheapest premium per model is: standard model 261.85 CHF (CSS), family doctor / HMO 239.55 CHF (Sympany), flexible model 245.25 CHF (Sympany), telemedicine 239.55 CHF (Sympany).
Why is the FOPH-approved premium higher than the price shown?
The large amount is the FOPH-approved premium — the same one as on priminfo.admin.ch, shown under each price — less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2026 every insured person in Switzerland receives 61.80 CHF, which their insurer deducts from the premium invoices: 5.15 CHF a month, the same amount for everyone, whatever the insurer, the model or the deductible. The ranking is therefore unchanged. This amount is not necessarily your final invoice: your canton’s individual premium reduction or a discount for annual payment are added where they apply. For example, the approved premium of 244.70 CHF at Sympany (callmed 24) gives 239.55 CHF after redistribution.
Until when can I change health insurer for 2026?
Your cancellation must reach your current insurer by 30 November 2025 at the latest; the change takes effect on 1 January 2026. The premiums on this page are those approved by the FOPH for 2026.
Premium source: Federal Office of Public Health (FOPH). This OneDoc service is not an official Confederation website. Free, no sign-up and no payment from health insurers.