Health insurance premiums 2026 in Horw (LU)For a young adult aged 19 to 25

In 2026, without accident cover: CSS (HMO (health practice)) at 307.65 CHF a month with a deductible of 300 CHF, and CSS (HMO (health practice)) at 188.35 CHF with the 2'500 CHF deductible. With accident cover: CSS (HMO (health practice)) at 331.25 CHF, and CSS (HMO (health practice)) at 202.95 CHF.

For a young adult aged 19 to 25 with CSS (HMO (health practice)), the premium rises from 307.65 CHF a month without accident cover to 331.25 CHF with accident cover, at the 300 CHF deductible: 23.60 CHF a month, 283.20 CHF a year. You only need this cover if you are not already fully insured for accidents under the Accident Insurance Act (UVG/LAA). If you work at least 8 hours a week for the same employer, their accident insurance generally also covers non-occupational accidents.

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 312.80 CHF at CSS (HMO (health practice)) gives 307.65 CHF after redistribution.

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.