Health insurance premiums 2026 in Lucerne (LU)For a young adult aged 19 to 25 without accident cover
From 188.35 to 465.00 CHF a month depending on the deductible and the model
122 offers from 25 health insurers.
| # | Insurer | Model | Deductible | |||||
|---|---|---|---|---|---|---|---|---|
| 300 CHF | 500 CHF | 1'000 CHF | 1'500 CHF | 2'000 CHF | 2'500 CHF | |||
| 1 |  CSS | HMO (health practice) | 307.65 | 296.85 | 269.75 | 242.55 | 215.55 | 188.35 |
| 2 |  Sympany | casamed hmo | 310.95 | 300.15 | 272.95 | 245.85 | 218.75 | 191.55 |
| 3 |  Sanitas | Family doctor 1 | 312.60 | 301.80 | 274.60 | 247.45 | 220.35 | 193.15 |
| 4 | Sanitas | TelMed (Compact One) | 312.75 | 301.95 | 274.75 | 247.55 | 220.45 | 193.25 |
| 5 |  Atupri | HMO | 314.95 | 303.85 | 276.15 | 248.45 | 220.75 | 193.05 |
| 6 | Sanitas | Family doctor 2 | 315.90 | 305.10 | 277.90 | 250.75 | 223.65 | 196.45 |
| 7 | Sanitas | Family doctor 3 | 315.90 | 305.10 | 277.90 | 250.75 | 223.65 | 196.45 |
| 8 | Sanitas | Family doctor 4 | 315.90 | 305.10 | 277.90 | 250.75 | 223.65 | 196.45 |
| 9 | Sanitas | MultiAccess | 316.05 | 305.25 | 278.15 | 250.95 | 223.85 | 196.65 |
| 10 | Sanitas | TelMed (CallMed) | 316.05 | 305.25 | 278.15 | 250.95 | 223.85 | 196.65 |
| 11 | Sympany | FlexHelp 24 | 316.45 | 305.55 | 278.45 | 251.35 | 224.15 | 197.05 |
| 12 | Sympany | casamed hausarzt | 318.15 | 307.35 | 280.25 | 253.05 | 226.05 | 198.85 |
| 13 | Sympany | callmed 24 | 318.15 | 307.35 | 280.25 | 253.05 | 226.05 | 198.85 |
| 14 | Sympany | casamed pharm | 318.15 | 307.35 | 280.25 | 253.05 | 226.05 | 198.85 |
| 15 |  Groupe Mutuel – Avenir | SanaTel | 318.95 | 308.25 | 281.25 | 253.85 | 226.85 | 199.95 |
| See all | See all | See all | See all | See all | See all | |||
In 2026, for a young adult aged 19 to 25 in Lucerne, without accident cover, the cheapest health insurance premium is:
- 307.65 CHF a month with a 300 CHF deductible (CSS, HMO (health practice))
- 188.35 CHF a month with a 2'500 CHF deductible (CSS, HMO (health practice))
Last modified:
Frequently asked questions
Which health insurance is the cheapest in Lucerne for a young adult aged 19 to 25 with a deductible of 300 CHF, without accident cover?
In 2026, without accident cover, the cheapest offer in Lucerne is CSS (HMO (health practice)) at 307.65 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 325.95 CHF a month.
How much does health insurance cost in Lucerne in 2026 for a young adult aged 19 to 25?
For a young adult aged 19 to 25 with a deductible of 300 CHF and without accident cover, monthly premiums run from 307.65 CHF (CSS, HMO (health practice)) to 465.00 CHF (vita surselva, 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).
Is a deductible of 300 CHF or 2'500 CHF better in Lucerne for a young adult aged 19 to 25 without accident cover?
On the cheapest offer (CSS, HMO (health practice)), the premium goes from 307.65 CHF a month with the 300 CHF deductible to 188.35 CHF with the 2'500 CHF deductible: 119.30 CHF less a month, 1'431.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'891 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.
Which model is the cheapest in Lucerne 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 300 CHF and without accident cover, the cheapest premium per model is: standard model 325.95 CHF (Sanitas), family doctor / HMO 307.65 CHF (CSS), flexible model 316.05 CHF (Sanitas), telemedicine 312.75 CHF (Sanitas).
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 312.80 CHF at CSS (HMO (health practice)) gives 307.65 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.
Premium source: Federal Office of Public Health (FOPH). This OneDoc service is not an official Confederation website. Free, no sign-up and no payment from health insurers.