# Health insurance premiums 2026 in the canton of Lucerne (LU)

3 premium regions cover the 79 municipalities in the canton of Lucerne.

## Premium region 1 of the canton of Lucerne

### 5 municipalities

- Lucerne (LU): https://praemiencheck.onedoc.ch/en/lu/lucerne/
- Emmen (LU): https://praemiencheck.onedoc.ch/en/lu/emmen/
- Kriens (LU): https://praemiencheck.onedoc.ch/en/lu/kriens/
- Horw (LU): https://praemiencheck.onedoc.ch/en/lu/horw/
- Ebikon (LU): https://praemiencheck.onedoc.ch/en/lu/ebikon/

For [an adult without accident cover](https://praemiencheck.onedoc.ch/en/lu/lucerne/adult/no-accident/), the lowest premium is 301.95 CHF with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/lucerne/adult/no-accident/deductible-2500/) (Atupri, HMO) and 423.85 CHF a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/lucerne/adult/no-accident/deductible-300/).

For [a young adult without accident cover](https://praemiencheck.onedoc.ch/en/lu/lucerne/young-adult/no-accident/), the lowest premium is 188.35 CHF with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/lucerne/young-adult/no-accident/deductible-2500/) (CSS, HMO (health practice)) and 307.65 CHF a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/lucerne/young-adult/no-accident/deductible-300/).

For [a child with accident cover](https://praemiencheck.onedoc.ch/en/lu/lucerne/child/with-accident/), the lowest premium is 65.75 CHF with a [600 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/lucerne/child/with-accident/deductible-600/) (ÖKK, HMO model) and 100.75 CHF a month with a [0 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/lucerne/child/with-accident/deductible-0/).

## Premium region 2 of the canton of Lucerne

### 19 municipalities

- Sursee (LU): https://praemiencheck.onedoc.ch/en/lu/sursee/
- Rothenburg (LU): https://praemiencheck.onedoc.ch/en/lu/rothenburg/
- Malters (LU): https://praemiencheck.onedoc.ch/en/lu/malters/
- Meggen (LU): https://praemiencheck.onedoc.ch/en/lu/meggen/
- Neuenkirch (LU): https://praemiencheck.onedoc.ch/en/lu/neuenkirch/
- Ruswil (LU): https://praemiencheck.onedoc.ch/en/lu/ruswil/
- Buchrain (LU): https://praemiencheck.onedoc.ch/en/lu/buchrain/
- Root (LU): https://praemiencheck.onedoc.ch/en/lu/root/
- Adligenswil (LU): https://praemiencheck.onedoc.ch/en/lu/adligenswil/
- Oberkirch (LU): https://praemiencheck.onedoc.ch/en/lu/oberkirch/
- Wolhusen (LU): https://praemiencheck.onedoc.ch/en/lu/wolhusen/
- Sempach (LU): https://praemiencheck.onedoc.ch/en/lu/sempach/
- Nottwil (LU): https://praemiencheck.onedoc.ch/en/lu/nottwil/
- Schenkon (LU): https://praemiencheck.onedoc.ch/en/lu/schenkon/
- Udligenswil (LU): https://praemiencheck.onedoc.ch/en/lu/udligenswil/
- Werthenstein (LU): https://praemiencheck.onedoc.ch/en/lu/werthenstein/
- Dierikon (LU): https://praemiencheck.onedoc.ch/en/lu/dierikon/
- Eich (LU): https://praemiencheck.onedoc.ch/en/lu/eich/
- Meierskappel (LU): https://praemiencheck.onedoc.ch/en/lu/meierskappel/

For [an adult without accident cover](https://praemiencheck.onedoc.ch/en/lu/sursee/adult/no-accident/), the lowest premium is 286.35 CHF with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/sursee/adult/no-accident/deductible-2500/) (CSS, HMO (health practice)) and 399.25 CHF a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/sursee/adult/no-accident/deductible-300/) (Agrisano, AGRIsmart).

For [a young adult without accident cover](https://praemiencheck.onedoc.ch/en/lu/sursee/young-adult/no-accident/), the lowest premium is 175.45 CHF with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/sursee/young-adult/no-accident/deductible-2500/) (CSS, HMO (health practice)) and 290.15 CHF a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/sursee/young-adult/no-accident/deductible-300/) (Agrisano, AGRIsmart).

For [a child with accident cover](https://praemiencheck.onedoc.ch/en/lu/sursee/child/with-accident/), the lowest premium is 58.45 CHF with a [600 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/sursee/child/with-accident/deductible-600/) (Agrisano, AGRIsmart) and 88.55 CHF a month with a [0 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/sursee/child/with-accident/deductible-0/).

## Premium region 3 of the canton of Lucerne

### 55 municipalities

- Hochdorf (LU): https://praemiencheck.onedoc.ch/en/lu/hochdorf/
- Willisau (LU): https://praemiencheck.onedoc.ch/en/lu/willisau/
- Reiden (LU): https://praemiencheck.onedoc.ch/en/lu/reiden/
- Beromünster (LU): https://praemiencheck.onedoc.ch/en/lu/beromunster/
- Hitzkirch (LU): https://praemiencheck.onedoc.ch/en/lu/hitzkirch/
- Dagmersellen (LU): https://praemiencheck.onedoc.ch/en/lu/dagmersellen/
- Triengen (LU): https://praemiencheck.onedoc.ch/en/lu/triengen/
- Schötz (LU): https://praemiencheck.onedoc.ch/en/lu/schotz/
- Weggis (LU): https://praemiencheck.onedoc.ch/en/lu/weggis/
- Escholzmatt-Marbach (LU): https://praemiencheck.onedoc.ch/en/lu/escholzmatt-marbach/
- Schüpfheim (LU): https://praemiencheck.onedoc.ch/en/lu/schupfheim/
- Eschenbach (LU): https://praemiencheck.onedoc.ch/en/lu/eschenbach/
- Rickenbach (LU): https://praemiencheck.onedoc.ch/en/lu/rickenbach/
- Buttisholz (LU): https://praemiencheck.onedoc.ch/en/lu/buttisholz/
- Entlebuch (LU): https://praemiencheck.onedoc.ch/en/lu/entlebuch/
- Grosswangen (LU): https://praemiencheck.onedoc.ch/en/lu/grosswangen/
- Menznau (LU): https://praemiencheck.onedoc.ch/en/lu/menznau/
- Rain (LU): https://praemiencheck.onedoc.ch/en/lu/rain/
- Geuensee (LU): https://praemiencheck.onedoc.ch/en/lu/geuensee/
- Inwil (LU): https://praemiencheck.onedoc.ch/en/lu/inwil/
- Ettiswil (LU): https://praemiencheck.onedoc.ch/en/lu/ettiswil/
- Nebikon (LU): https://praemiencheck.onedoc.ch/en/lu/nebikon/
- Büron (LU): https://praemiencheck.onedoc.ch/en/lu/buron/
- Ballwil (LU): https://praemiencheck.onedoc.ch/en/lu/ballwil/
- Pfaffnau (LU): https://praemiencheck.onedoc.ch/en/lu/pfaffnau/
- Wauwil (LU): https://praemiencheck.onedoc.ch/en/lu/wauwil/
- Hildisrieden (LU): https://praemiencheck.onedoc.ch/en/lu/hildisrieden/
- Hohenrain (LU): https://praemiencheck.onedoc.ch/en/lu/hohenrain/
- Knutwil (LU): https://praemiencheck.onedoc.ch/en/lu/knutwil/
- Zell (LU): https://praemiencheck.onedoc.ch/en/lu/zell/
- Altishofen (LU): https://praemiencheck.onedoc.ch/en/lu/altishofen/
- Hergiswil bei Willisau (LU): https://praemiencheck.onedoc.ch/en/lu/hergiswil-bei-willisau/
- Flühli (LU): https://praemiencheck.onedoc.ch/en/lu/fluhli/
- Römerswil (LU): https://praemiencheck.onedoc.ch/en/lu/romerswil/
- Schwarzenberg (LU): https://praemiencheck.onedoc.ch/en/lu/schwarzenberg/
- Hasle (LU): https://praemiencheck.onedoc.ch/en/lu/hasle/
- Egolzwil (LU): https://praemiencheck.onedoc.ch/en/lu/egolzwil/
- Mauensee (LU): https://praemiencheck.onedoc.ch/en/lu/mauensee/
- Wikon (LU): https://praemiencheck.onedoc.ch/en/lu/wikon/
- Vitznau (LU): https://praemiencheck.onedoc.ch/en/lu/vitznau/
- Gisikon (LU): https://praemiencheck.onedoc.ch/en/lu/gisikon/
- Aesch (LU): https://praemiencheck.onedoc.ch/en/lu/aesch/
- Luthern (LU): https://praemiencheck.onedoc.ch/en/lu/luthern/
- Greppen (LU): https://praemiencheck.onedoc.ch/en/lu/greppen/
- Schongau (LU): https://praemiencheck.onedoc.ch/en/lu/schongau/
- Altbüron (LU): https://praemiencheck.onedoc.ch/en/lu/altburon/
- Ermensee (LU): https://praemiencheck.onedoc.ch/en/lu/ermensee/
- Schlierbach (LU): https://praemiencheck.onedoc.ch/en/lu/schlierbach/
- Ufhusen (LU): https://praemiencheck.onedoc.ch/en/lu/ufhusen/
- Grossdietwil (LU): https://praemiencheck.onedoc.ch/en/lu/grossdietwil/
- Doppleschwand (LU): https://praemiencheck.onedoc.ch/en/lu/doppleschwand/
- Roggliswil (LU): https://praemiencheck.onedoc.ch/en/lu/roggliswil/
- Fischbach (LU): https://praemiencheck.onedoc.ch/en/lu/fischbach/
- Alberswil (LU): https://praemiencheck.onedoc.ch/en/lu/alberswil/
- Romoos (LU): https://praemiencheck.onedoc.ch/en/lu/romoos/

For [an adult without accident cover](https://praemiencheck.onedoc.ch/en/lu/hochdorf/adult/no-accident/), the lowest premium is 274.30 CHF with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/hochdorf/adult/no-accident/deductible-2500/) (Krankenkasse Luzerner Hinterland, Telemedicine) and 388.45 CHF a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/hochdorf/adult/no-accident/deductible-300/) (Agrisano, AGRIsmart).

For [a young adult without accident cover](https://praemiencheck.onedoc.ch/en/lu/hochdorf/young-adult/no-accident/), the lowest premium is 165.15 CHF with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/hochdorf/young-adult/no-accident/deductible-2500/) (CSS, Hausarztversicherung Profit) and 282.25 CHF a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/hochdorf/young-adult/no-accident/deductible-300/) (Agrisano, AGRIsmart).

For [a child with accident cover](https://praemiencheck.onedoc.ch/en/lu/hochdorf/child/with-accident/), the lowest premium is 55.95 CHF with a [600 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/hochdorf/child/with-accident/deductible-600/) (Agrisano, AGRIsmart) and 86.05 CHF a month with a [0 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/hochdorf/child/with-accident/deductible-0/).

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurer is the cheapest in the canton of Lucerne in 2026?

That depends on your municipality’s premium region. For an adult without accident cover: region 1 ([Lucerne](https://praemiencheck.onedoc.ch/en/lu/lucerne/), [Emmen](https://praemiencheck.onedoc.ch/en/lu/emmen/), [Kriens](https://praemiencheck.onedoc.ch/en/lu/kriens/)…): 301.95 CHF a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/lucerne/adult/no-accident/deductible-2500/) (Atupri, HMO) and 423.85 CHF with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/lucerne/adult/no-accident/deductible-300/). region 2 ([Sursee](https://praemiencheck.onedoc.ch/en/lu/sursee/), [Rothenburg](https://praemiencheck.onedoc.ch/en/lu/rothenburg/), [Malters](https://praemiencheck.onedoc.ch/en/lu/malters/)…): 286.35 CHF a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/sursee/adult/no-accident/deductible-2500/) (CSS, HMO (health practice)) and 399.25 CHF with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/sursee/adult/no-accident/deductible-300/) (Agrisano, AGRIsmart). region 3 ([Hochdorf](https://praemiencheck.onedoc.ch/en/lu/hochdorf/), [Willisau](https://praemiencheck.onedoc.ch/en/lu/willisau/), [Reiden](https://praemiencheck.onedoc.ch/en/lu/reiden/)…): 274.30 CHF a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/hochdorf/adult/no-accident/deductible-2500/) (Krankenkasse Luzerner Hinterland, Telemedicine) and 388.45 CHF with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/hochdorf/adult/no-accident/deductible-300/) (Agrisano, AGRIsmart).

### In which region of the canton of Lucerne are premiums lowest in 2026?

For [an adult without accident cover](https://praemiencheck.onedoc.ch/en/lu/hochdorf/adult/no-accident/) with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/hochdorf/adult/no-accident/deductible-300/), the canton’s lowest premium is 388.45 CHF a month in premium region 3 ([Hochdorf](https://praemiencheck.onedoc.ch/en/lu/hochdorf/), [Willisau](https://praemiencheck.onedoc.ch/en/lu/willisau/), [Reiden](https://praemiencheck.onedoc.ch/en/lu/reiden/)…), with Agrisano (AGRIsmart). In the dearest region, region 1 ([Lucerne](https://praemiencheck.onedoc.ch/en/lu/lucerne/), [Emmen](https://praemiencheck.onedoc.ch/en/lu/emmen/), [Kriens](https://praemiencheck.onedoc.ch/en/lu/kriens/)…), the lowest premium is 423.85 CHF.

### What is the lowest premium for a child in the canton of Lucerne?

For [a child with accident cover](https://praemiencheck.onedoc.ch/en/lu/hochdorf/child/with-accident/) and a [0 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/hochdorf/child/with-accident/deductible-0/), the canton’s lowest premium is 86.05 CHF a month with Agrisano (AGRIsmart), in premium region 3 ([Hochdorf](https://praemiencheck.onedoc.ch/en/lu/hochdorf/), [Willisau](https://praemiencheck.onedoc.ch/en/lu/willisau/), [Reiden](https://praemiencheck.onedoc.ch/en/lu/reiden/)…).

### How many health insurers offer basic insurance in the canton of Lucerne?

In 2026, 25 health insurers offer their models in the canton of Lucerne. 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 Lucerne?

The canton has 3 premium regions set at federal level based on cost differences; health insurers may charge different premiums from one region to another. Your municipality of residence, not your postcode, determines the region. Region 1: 5 municipalities, including [Lucerne](https://praemiencheck.onedoc.ch/en/lu/lucerne/), [Emmen](https://praemiencheck.onedoc.ch/en/lu/emmen/), [Kriens](https://praemiencheck.onedoc.ch/en/lu/kriens/). Region 2: 19 municipalities, including [Sursee](https://praemiencheck.onedoc.ch/en/lu/sursee/), [Rothenburg](https://praemiencheck.onedoc.ch/en/lu/rothenburg/), [Malters](https://praemiencheck.onedoc.ch/en/lu/malters/). Region 3: 55 municipalities, including [Hochdorf](https://praemiencheck.onedoc.ch/en/lu/hochdorf/), [Willisau](https://praemiencheck.onedoc.ch/en/lu/willisau/), [Reiden](https://praemiencheck.onedoc.ch/en/lu/reiden/).

### 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 393.60 CHF at Agrisano (AGRIsmart) gives 388.45 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/lu/

## Related pages

- Premium region 1 of the canton of Lucerne: https://praemiencheck.onedoc.ch/#region-1
- Premium region 2 of the canton of Lucerne: https://praemiencheck.onedoc.ch/#region-2
- Premium region 3 of the canton of Lucerne: https://praemiencheck.onedoc.ch/#region-3