# Health insurance premiums 2027 in Speicher (AR), for a young adult aged 19 to 25 who wants a deductible of 2'000 CHF without accident cover

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · without accident cover · monthly premiums in CHF_

In [Speicher](https://praemiencheck.onedoc.ch/en/ar/speicher/) ([canton Appenzell Ausserrhoden](https://praemiencheck.onedoc.ch/en/ar/)), in 2027, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/ar/speicher/young-adult/) with a 2'000 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/ar/speicher/young-adult/no-accident/), the cheapest monthly basic insurance premium is **219.00 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 395.60 CHF with SLKK (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2026 (2'000 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 300.50 | 290.90 | 267.00 | 243.00 | 219.00 | 195.10 | +6.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 312.80 | 302.10 | 274.90 | 247.70 | 220.70 | 195.00 | +1.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 320.90 | 310.05 | 282.95 | 255.75 | 228.60 | 201.45 | +5.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 320.90 | 310.05 | 282.95 | 255.75 | 228.60 | 201.45 | New tariff 2027 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 323.50 | 312.70 | 285.60 | 258.40 | 231.30 | 204.20 | +8.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 324.25 | 313.40 | 286.30 | 259.10 | 231.95 | 204.80 | +5.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 324.25 | 313.40 | 286.30 | 259.10 | 231.95 | 204.80 | +5.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 324.25 | 313.40 | 286.30 | 259.10 | 231.95 | 204.80 | +5.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 324.25 | 313.40 | 286.30 | 259.10 | 231.95 | 204.80 | +5.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 324.25 | 313.40 | 286.30 | 259.10 | 231.95 | 204.80 | New tariff 2027 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 324.30 | 313.60 | 286.40 | 259.20 | 232.20 | 205.00 | +5.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 324.30 | 313.60 | 286.40 | 259.20 | 232.20 | 205.00 | +5.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 324.30 | 313.60 | 286.40 | 259.20 | 232.20 | 205.00 | +5.7 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 319.60 | 309.40 | 284.00 | 258.40 | 232.90 | 207.50 | +6.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 331.80 | 320.90 | 293.30 | 265.70 | 238.20 | 210.60 | +3.7 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 328.60 | 319.50 | 298.80 | 270.90 | 238.60 | 209.40 | +5.9 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 329.60 | 321.50 | 300.80 | 272.40 | 239.70 | 210.20 | +5.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 333.70 | 322.80 | 295.20 | 267.60 | 240.10 | 212.50 | +4.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 333.60 | 322.80 | 295.60 | 268.30 | 241.20 | 214.00 | +1.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 334.30 | 323.45 | 296.30 | 269.10 | 241.95 | 214.85 | +5.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 334.70 | 323.90 | 296.70 | 269.60 | 242.50 | 215.30 | +8.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 334.80 | 323.90 | 300.60 | 273.40 | 242.50 | 215.40 | New tariff 2027 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 335.50 | 324.70 | 297.60 | 270.40 | 243.30 | 216.20 | +5.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 335.50 | 324.70 | 297.60 | 270.40 | 243.30 | 216.20 | +5.6 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 329.80 | 319.80 | 294.80 | 269.90 | 244.90 | 220.00 | +3.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 329.80 | 319.80 | 294.80 | 269.90 | 244.90 | 220.00 | +3.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 341.30 | 330.30 | 302.70 | 275.10 | 247.60 | 220.00 | +3.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 340.20 | 329.50 | 302.30 | 275.10 | 248.10 | 220.90 | New tariff 2027 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 340.50 | 332.50 | 302.60 | 275.40 | 248.30 | 222.50 | +5.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 341.10 | 334.80 | 302.90 | 275.60 | 248.40 | 221.10 | +10.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 341.10 | 334.80 | 302.90 | 275.60 | 248.40 | 221.10 | +10.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 344.00 | 333.20 | 306.00 | 278.90 | 251.80 | 224.60 | +8.6 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 332.80 | 323.40 | 299.80 | 276.30 | 252.60 | 223.70 | +8.1 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 347.40 | 336.30 | 308.70 | 280.90 | 253.20 | 225.50 | +6.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 345.90 | 335.10 | 307.90 | 280.80 | 253.70 | 226.50 | +7.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 346.10 | 335.20 | 313.70 | 286.60 | 253.80 | 226.70 | New tariff 2027 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 349.80 | 339.00 | 311.80 | 284.60 | 257.40 | 230.20 | +0.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 350.40 | 339.50 | 312.30 | 285.00 | 257.80 | 230.50 | +6.4 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 351.90 | 341.10 | 313.90 | 286.90 | 259.70 | 232.60 | +8.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 353.20 | 342.40 | 315.20 | 288.10 | 261.00 | 233.90 | +6.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 353.60 | 346.50 | 319.40 | 292.20 | 261.40 | 234.20 | New tariff 2027 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 355.60 | 344.80 | 317.60 | 290.50 | 263.40 | 236.30 | +2.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 358.00 | 347.20 | 320.10 | 292.90 | 265.80 | 238.70 | +5.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 358.00 | 347.20 | 320.10 | 292.90 | 265.80 | 238.70 | +5.4 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 358.40 | 347.70 | 320.50 | 293.30 | 266.20 | 239.00 | +3.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 359.00 | 348.10 | 320.80 | 293.50 | 266.30 | 239.00 | +6.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 359.20 | 348.30 | 321.00 | 293.80 | 266.50 | 239.30 | +7.2 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 360.60 | 349.70 | 322.50 | 295.40 | 268.10 | 240.90 | +0.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 360.90 | 354.60 | 322.70 | 295.50 | 268.20 | 240.90 | +10.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 362.90 | 352.00 | 324.70 | 297.40 | 270.20 | 242.90 | +7.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 362.60 | 351.90 | 324.70 | 297.50 | 270.50 | 243.30 | +10.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 362.60 | 351.90 | 324.70 | 297.50 | 270.50 | 243.30 | +10.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 365.10 | 354.10 | 326.90 | 299.60 | 272.40 | 245.10 | +6.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 366.70 | 355.90 | 328.70 | 301.60 | 274.50 | 247.30 | New tariff 2027 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R1 | 368.30 | 357.50 | 330.40 | 303.20 | 276.20 | 249.00 | +7.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 353.60 | 346.50 | 323.10 | 296.00 | 276.40 | 249.30 | New tariff 2027 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 369.60 | 359.00 | 332.00 | 304.50 | 277.60 | 250.60 | +13.7 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 375.85 | 368.35 | 338.25 | 308.20 | 278.10 | 250.30 | +0.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 371.40 | 360.50 | 333.30 | 306.00 | 278.70 | 251.50 | +7.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 371.60 | 365.30 | 333.40 | 306.10 | 278.90 | 251.60 | +10.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 371.80 | 361.10 | 334.10 | 306.70 | 279.70 | 252.70 | +13.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 371.90 | 361.10 | 333.90 | 306.80 | 279.70 | 252.50 | +8.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 372.80 | 366.50 | 334.60 | 307.30 | 280.10 | 252.80 | +10.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R2 | 372.50 | 361.70 | 334.60 | 307.40 | 280.40 | 253.20 | +7.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 372.50 | 361.70 | 334.60 | 307.40 | 280.40 | 253.20 | +9.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 372.80 | 362.00 | 334.80 | 307.70 | 280.60 | 253.50 | +5.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 375.50 | 364.60 | 337.30 | 310.10 | 282.80 | 255.60 | +7.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 376.10 | 365.30 | 338.20 | 311.00 | 283.90 | 256.80 | +2.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Bestcare | 338.50 | 327.70 | 317.50 | 307.30 | 283.90 | 256.80 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 364.90 | 357.80 | 334.40 | 307.30 | 283.90 | 256.80 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 364.90 | 357.80 | 334.40 | 307.30 | 283.90 | 256.80 | New tariff 2027 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 376.70 | 370.50 | 338.60 | 311.30 | 284.00 | 256.80 | +10.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 377.20 | 366.30 | 339.10 | 311.80 | 284.60 | 257.30 | +6.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 379.20 | 368.20 | 340.60 | 313.00 | 285.50 | 257.90 | +3.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 379.60 | 368.70 | 341.40 | 314.20 | 286.90 | 259.60 | +7.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R3 | 381.00 | 370.20 | 343.00 | 315.90 | 288.80 | 261.70 | +7.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 382.50 | 371.70 | 344.50 | 317.50 | 290.30 | 263.10 | +8.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 384.50 | 373.80 | 346.90 | 319.40 | 292.40 | 265.50 | +13.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 384.50 | 373.80 | 346.90 | 319.40 | 292.40 | 265.50 | +13.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 387.70 | 376.80 | 349.60 | 322.30 | 295.10 | 267.80 | +7.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R4 | 389.40 | 378.70 | 351.50 | 324.30 | 297.30 | 270.10 | +5.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 389.40 | 378.70 | 351.50 | 324.30 | 297.30 | 270.10 | +4.3 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 395.60 | 387.70 | 356.05 | 328.35 | 300.70 | 269.05 | 0.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 396.50 | 390.30 | 358.40 | 331.10 | 303.80 | 276.60 | +10.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 398.90 | 388.20 | 361.30 | 333.80 | 306.90 | 279.90 | +6.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 401.20 | 390.40 | 363.20 | 336.10 | 309.00 | 281.80 | +5.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 401.20 | 390.50 | 363.50 | 336.10 | 309.10 | 282.20 | +5.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 406.50 | 395.60 | 368.30 | 341.10 | 313.80 | 286.50 | +6.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 406.10 | 395.40 | 368.40 | 341.00 | 314.00 | 287.10 | +13.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 408.10 | 397.20 | 370.00 | 342.70 | 315.40 | 288.20 | +6.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 409.80 | 399.00 | 371.90 | 344.70 | 317.60 | 290.50 | +5.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 413.00 | 401.90 | 374.20 | 346.50 | 318.80 | 291.10 | +1.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 412.50 | 401.80 | 374.90 | 347.40 | 320.50 | 293.50 | +5.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 412.50 | 401.80 | 374.90 | 347.40 | 320.50 | 293.50 | +5.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 415.60 | 404.90 | 377.90 | 350.50 | 323.50 | 296.50 | +13.3 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 417.70 | 406.70 | 379.00 | 351.20 | 323.60 | 295.80 | +1.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 417.90 | 407.20 | 380.20 | 352.80 | 325.80 | 298.90 | +13.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 423.40 | 412.60 | 385.40 | 358.30 | 331.20 | 304.10 | +4.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 424.90 | 414.20 | 387.20 | 359.80 | 332.80 | 305.80 | +13.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 427.00 | 416.00 | 388.30 | 360.50 | 332.90 | 305.10 | +1.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 427.00 | 416.00 | 388.30 | 360.50 | 332.90 | 305.10 | +1.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 431.30 | 420.50 | 393.30 | 366.20 | 339.10 | 312.00 | +5.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 432.10 | 421.40 | 394.40 | 367.00 | 340.00 | 313.00 | +13.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 430.10 | 420.50 | 396.40 | 372.20 | 348.10 | 324.00 | +5.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 439.90 | 430.10 | 405.40 | 380.70 | 356.00 | 331.30 | +5.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 444.80 | 434.90 | 409.90 | 384.90 | 360.00 | 335.00 | +5.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 453.30 | 442.60 | 415.70 | 388.20 | 361.30 | 334.30 | +5.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 469.30 | 458.30 | 430.50 | 402.80 | 375.20 | 347.40 | +1.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 472.20 | 461.50 | 434.50 | 407.10 | 380.10 | 353.20 | +12.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 488.80 | 477.90 | 450.40 | 423.00 | 395.60 | 368.20 | +5.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 349.00 | 338.20 | 311.10 | 283.90 | — | 229.70 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 363.40 | 352.70 | 325.50 | 298.30 | — | 244.10 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.doc - GP (family doctor) | 363.40 | 352.70 | 325.50 | 298.30 | — | 244.10 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 366.30 | 355.50 | 328.40 | 301.20 | — | 247.00 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | KPTwin.win - GP, telemedicine and pharmacy | 377.80 | 367.00 | 339.80 | 312.70 | — | 258.40 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 406.50 | 395.70 | 368.60 | 341.40 | — | 287.20 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Speicher for a young adult aged 19 to 25 with a deductible of 2'000 CHF, without accident cover?

In 2027, [without accident cover](https://praemiencheck.onedoc.ch/en/ar/speicher/young-adult/no-accident/), the cheapest offer in [Speicher](https://praemiencheck.onedoc.ch/en/ar/speicher/) is Agrisano (AGRIsmart) at 219.00 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 241.95 CHF a month.

### How much does health insurance cost in Speicher in 2027 for a young adult aged 19 to 25?

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/ar/speicher/young-adult/) with a deductible of 2'000 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/ar/speicher/young-adult/no-accident/), monthly premiums run from 219.00 CHF (Agrisano, AGRIsmart) to 395.60 CHF (SLKK, Standard model): 116 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: 289.00 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Speicher for a young adult aged 19 to 25 without accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 300.50 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/speicher/young-adult/no-accident/deductible-300/) to 195.10 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/speicher/young-adult/no-accident/deductible-2500/): 105.40 CHF less a month, 1'264.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'705 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Speicher 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 2'000 CHF and without accident cover, the cheapest premium per model is: standard model 241.95 CHF (Sanitas), family doctor / HMO 220.70 CHF (CSS), flexible model 231.95 CHF (Sanitas), telemedicine 219.00 CHF (Agrisano).

### Until when can I change health insurer for 2027?

Your cancellation must reach your current insurer by 30 November 2026 at the latest; the change takes effect on 1 January 2027. The premiums on this page are those approved by the FOPH for 2027.

## How to read this table

- The **standard model** leaves you free to choose your doctor. With a **family doctor / HMO** model, the first contact is always a designated practice. The **flexible model** lets you choose your first point of contact each time. With **telemedicine**, the first contact is by phone or online; with a **pharmacy** model, at a partner pharmacy. These five categories are the FOPH’s, from the 2027 premiums onwards.
- All premiums are monthly, in Swiss francs, as approved by the FOPH — the same figures as on priminfo.admin.ch.
- The premium region depends on your municipality of residence, not your postcode: Speicher is in region 0 of canton Appenzell Ausserrhoden.
- To change insurer on 1 January, your cancellation must reach your health insurer by 30 November at the latest. [Made your choice? Here is how to cancel.](https://praemiencheck.onedoc.ch/en/cancel/)

Source: Federal Office of Public Health (FOPH), approved 2027 basic health insurance premiums, version 29/09/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 29/09/2026. Valid from 01.01.2027 to 31.12.2027. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/ar/speicher/young-adult/no-accident/deductible-300/

## Related pages

- Health insurance premiums 2027 in Speicher (AR): every situation: https://praemiencheck.onedoc.ch/en/ar/speicher/
- Premiums 2027 in Speicher (AR), young adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/ar/speicher/young-adult/
- Premiums 2027 in Speicher (AR), young adult, without accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/ar/speicher/young-adult/no-accident/
- Child: https://praemiencheck.onedoc.ch/en/ar/speicher/child/
- Adult: https://praemiencheck.onedoc.ch/en/ar/speicher/adult/
- With accident cover: https://praemiencheck.onedoc.ch/en/ar/speicher/young-adult/with-accident/deductible-2000/
- Deductible Premiums 2027 in Speicher (AR), young adult, deductible of 300 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ar/speicher/young-adult/no-accident/deductible-300/
- Deductible Premiums 2027 in Speicher (AR), young adult, deductible of 500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ar/speicher/young-adult/no-accident/deductible-500/
- Deductible Premiums 2027 in Speicher (AR), young adult, deductible of 1'000 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ar/speicher/young-adult/no-accident/deductible-1000/
- Deductible Premiums 2027 in Speicher (AR), young adult, deductible of 1'500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ar/speicher/young-adult/no-accident/deductible-1500/
- Deductible Premiums 2027 in Speicher (AR), young adult, deductible of 2'500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ar/speicher/young-adult/no-accident/deductible-2500/

Address of this page: praemiencheck.onedoc.ch/en/ar/speicher/young-adult/no-accident/deductible-300/ — replace `ar` with your canton’s two-letter code (ge, vd, zh…), `speicher` with your municipality, `young-adult` with `child` or `adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-2000` with `deductible-2500` for another deductible. Markdown version: add `.md`.