# Health insurance premiums 2026 in the canton of Appenzell Ausserrhoden (AR) A single premium region for the 20 municipalities of the canton of Appenzell Ausserrhoden: premiums are the same in every municipality. ## A single premium region for the whole canton of Appenzell Ausserrhoden ### 20 municipalities - Herisau (AR): https://praemiencheck.onedoc.ch/en/ar/herisau/ - Teufen (AR): https://praemiencheck.onedoc.ch/en/ar/teufen/ - Speicher (AR): https://praemiencheck.onedoc.ch/en/ar/speicher/ - Heiden (AR): https://praemiencheck.onedoc.ch/en/ar/heiden/ - Gais (AR): https://praemiencheck.onedoc.ch/en/ar/gais/ - Urnäsch (AR): https://praemiencheck.onedoc.ch/en/ar/urnasch/ - Walzenhausen (AR): https://praemiencheck.onedoc.ch/en/ar/walzenhausen/ - Trogen (AR): https://praemiencheck.onedoc.ch/en/ar/trogen/ - Wolfhalden (AR): https://praemiencheck.onedoc.ch/en/ar/wolfhalden/ - Bühler (AR): https://praemiencheck.onedoc.ch/en/ar/buhler/ - Waldstatt (AR): https://praemiencheck.onedoc.ch/en/ar/waldstatt/ - Rehetobel (AR): https://praemiencheck.onedoc.ch/en/ar/rehetobel/ - Schwellbrunn (AR): https://praemiencheck.onedoc.ch/en/ar/schwellbrunn/ - Stein (AR): https://praemiencheck.onedoc.ch/en/ar/stein/ - Lutzenberg (AR): https://praemiencheck.onedoc.ch/en/ar/lutzenberg/ - Grub (AR): https://praemiencheck.onedoc.ch/en/ar/grub/ - Hundwil (AR): https://praemiencheck.onedoc.ch/en/ar/hundwil/ - Wald (AR): https://praemiencheck.onedoc.ch/en/ar/wald/ - Reute (AR): https://praemiencheck.onedoc.ch/en/ar/reute/ - Schönengrund (AR): https://praemiencheck.onedoc.ch/en/ar/schonengrund/ For [an adult without accident cover](https://praemiencheck.onedoc.ch/en/ar/herisau/adult/no-accident/), the lowest premium is 281.65 CHF with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/herisau/adult/no-accident/deductible-2500/) (Agrisano, AGRIsmart) and 386.55 CHF a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/herisau/adult/no-accident/deductible-300/). For [a young adult without accident cover](https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/no-accident/), the lowest premium is 176.05 CHF with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/no-accident/deductible-2500/) (Agrisano, AGRIsmart) and 280.85 CHF a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/no-accident/deductible-300/). For [a child with accident cover](https://praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident/), the lowest premium is 55.45 CHF with a [600 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident/deductible-600/) (Agrisano, AGRIsmart) and 85.55 CHF a month with a [0 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident/deductible-0/). Last modified: 28/09/2026 ## Frequently asked questions ### Which health insurer is the cheapest in the canton of Appenzell Ausserrhoden in 2026? That depends on your municipality’s premium region. For an adult without accident cover: region 0 ([Herisau](https://praemiencheck.onedoc.ch/en/ar/herisau/), [Teufen](https://praemiencheck.onedoc.ch/en/ar/teufen/), [Speicher](https://praemiencheck.onedoc.ch/en/ar/speicher/)…): 281.65 CHF a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/herisau/adult/no-accident/deductible-2500/) (Agrisano, AGRIsmart) and 386.55 CHF with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/herisau/adult/no-accident/deductible-300/). ### What is the lowest premium for a child in the canton of Appenzell Ausserrhoden? For [a child with accident cover](https://praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident/) and a [0 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident/deductible-0/), the canton’s lowest premium is 85.55 CHF a month with Agrisano (AGRIsmart). ### How many health insurers offer basic insurance in the canton of Appenzell Ausserrhoden? In 2026, 23 health insurers offer their models in the canton of Appenzell Ausserrhoden. Basic insurance benefits are the same with all of them; only the premium, the model, the deductible and accident cover differ. ### Why are the premiums not the same across the whole canton of Appenzell Ausserrhoden? The canton of Appenzell Ausserrhoden has a single premium region: for the same offer, the premium is identical in every municipality. The amount varies by health insurer, model, deductible and accident cover, but not by municipality. ### 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 391.70 CHF at Agrisano (AGRIsmart) gives 386.55 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. Source: Federal Office of Public Health (FOPH), approved 2026 basic health insurance premiums, version 17/08/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 11/09/2025 · Updated on 28/09/2026. Valid from 01.01.2026 to 31.12.2026. This OneDoc service is not an official Confederation website. Canonical: https://praemiencheck.onedoc.ch/en/ar/ ## Related pages - A single premium region for the whole canton of Appenzell Ausserrhoden: https://praemiencheck.onedoc.ch/#region-0