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

In 2026, with accident cover, the cheapest offer in Horw is CSS (HMO (health practice)) at 331.25 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 350.45 CHF a month.

For a young adult aged 19 to 25 with a deductible of 300 CHF and with accident cover, monthly premiums run from 331.25 CHF (CSS, HMO (health practice)) to 483.80 CHF (Einsiedler Krankenkasse, Standard model): 122 offers from 25 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: 298.75 CHF (an FOPH statistic, distinct from the offers above).

On the cheapest offer (CSS, HMO (health practice)), the premium goes from 331.25 CHF a month with the 300 CHF deductible to 202.95 CHF with the 2'500 CHF deductible: 128.30 CHF less a month, 1'539.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 2'011 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

For a young adult aged 19 to 25 with a deductible of 300 CHF and with accident cover, the cheapest premium per model is: standard model 350.45 CHF (Sanitas), family doctor / HMO 331.25 CHF (CSS), flexible model 339.85 CHF (Sanitas), telemedicine 336.25 CHF (Sanitas).

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 336.40 CHF at CSS (HMO (health practice)) gives 331.25 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.