# Health insurance premiums 2026 in Root (LU), for a young adult aged 19 to 25 who wants a deductible of 300 CHF without accident cover

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

In [Root](https://praemiencheck.onedoc.ch/en/lu/root/) ([canton Lucerne](https://praemiencheck.onedoc.ch/en/lu/)), in 2026, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/lu/root/young-adult/) with a 300 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/lu/root/young-adult/no-accident/), the cheapest monthly basic insurance premium is **290.15 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 434.20 CHF with vita surselva (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2025 (300 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 290.15 | 280.55 | 256.75 | 232.95 | 209.05 | 185.35 | +3.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 294.75 | 283.95 | 256.75 | 229.65 | 202.55 | 175.45 | −1.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 297.35 | 286.55 | 259.35 | 232.25 | 205.15 | 182.95 | +3.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 299.15 | 288.35 | 261.15 | 234.05 | 206.95 | 182.95 | +2.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 300.20 | 289.40 | 262.25 | 235.05 | 207.95 | 180.75 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 300.35 | 289.55 | 262.35 | 235.15 | 208.05 | 180.95 | New tariff 2026 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 302.75 | 291.80 | 264.35 | 236.95 | 211.00 | 182.10 | +1.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 303.40 | 292.60 | 265.40 | 238.20 | 211.10 | 183.95 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 303.40 | 292.60 | 265.40 | 238.20 | 211.10 | 183.95 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 303.40 | 292.60 | 265.40 | 238.20 | 211.10 | 183.95 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 303.55 | 292.75 | 265.55 | 238.35 | 211.25 | 184.05 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 303.55 | 292.75 | 265.55 | 238.35 | 211.25 | 184.05 | New tariff 2026 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 305.55 | 295.55 | 270.45 | 245.35 | 220.25 | 195.35 | +2.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 305.95 | 295.25 | 268.35 | 240.85 | 213.95 | 188.15 | +4.1 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 306.05 | 295.05 | 267.85 | 242.40 | 216.95 | 191.60 | +1.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 306.05 | 295.25 | 268.15 | 240.95 | 213.95 | 186.75 | +2.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 306.55 | 295.55 | 267.75 | 240.05 | 212.45 | 184.65 | +4.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 308.25 | 297.25 | 269.45 | 241.75 | 214.15 | 186.35 | +3.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 309.65 | 298.75 | 271.65 | 244.55 | 217.35 | 190.25 | +2.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 309.65 | 298.75 | 271.65 | 244.55 | 217.35 | 190.25 | +2.7 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 310.75 | 300.45 | 275.15 | 249.55 | 223.95 | 198.65 | +2.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 310.85 | 300.15 | 272.95 | 245.75 | 218.75 | 194.35 | +1.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 311.35 | 300.65 | 273.65 | 246.25 | 219.25 | 192.35 | +4.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 311.35 | 300.65 | 273.65 | 246.25 | 219.25 | 192.35 | +4.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 312.05 | 301.05 | 273.45 | 245.85 | 218.35 | 191.15 | +7.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 313.05 | 302.25 | 275.05 | 247.85 | 220.75 | 193.55 | +4.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 313.55 | 307.35 | 275.45 | 248.15 | 220.95 | 193.65 | −1.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 314.35 | 308.05 | 276.15 | 248.85 | 221.65 | 194.35 | −1.4 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 314.65 | 304.65 | 279.75 | 254.85 | 229.95 | 204.95 | +6.6 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 314.65 | 304.65 | 279.75 | 254.85 | 229.95 | 204.95 | +6.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 314.75 | 303.95 | 276.75 | 249.65 | 222.55 | 195.45 | +2.3 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 315.25 | 304.25 | 276.55 | 248.75 | 221.15 | 193.45 | +3.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 316.95 | 305.95 | 278.25 | 250.45 | 222.85 | 195.15 | +3.4 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 317.15 | 307.75 | 284.05 | 260.55 | 236.95 | 213.35 | +4.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 317.55 | 306.55 | 278.95 | 251.35 | 223.85 | 196.25 | +7.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 317.75 | 306.95 | 281.65 | 254.45 | 227.35 | 200.25 | +7.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 319.55 | 308.75 | 281.65 | 254.45 | 227.35 | 200.25 | +1.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 319.55 | 308.75 | 281.65 | 254.45 | 227.35 | 200.25 | −9.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 321.95 | 311.15 | 284.05 | 256.85 | 229.85 | 202.65 | 0.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 321.95 | 311.15 | 284.05 | 256.85 | 229.85 | 202.65 | 0.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 322.05 | 311.35 | 284.45 | 256.95 | 230.05 | 203.05 | +4.1 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 322.40 | 311.45 | 284.00 | 257.00 | 230.20 | 203.50 | +1.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 322.85 | 312.15 | 285.15 | 257.75 | 230.75 | 203.75 | +1.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 326.25 | 315.45 | 288.35 | 261.15 | 234.05 | 206.95 | +0.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 327.45 | 316.65 | 289.55 | 262.35 | 235.35 | 208.15 | 0.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 328.15 | 317.35 | 290.15 | 263.05 | 235.95 | 208.75 | +3.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 328.65 | 317.75 | 290.15 | 262.55 | 235.05 | 207.45 | +7.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 330.45 | 319.75 | 292.75 | 265.35 | 238.35 | 211.45 | +1.6 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 331.95 | 321.15 | 293.95 | 266.95 | 239.75 | 213.35 | +4.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 332.05 | 321.25 | 294.15 | 266.95 | — | 212.75 | +4.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | VIVA – Gesundheitsplan | 332.65 | 321.75 | 301.55 | 274.25 | 254.05 | 226.75 | New tariff 2026 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 334.25 | 323.55 | 296.65 | 269.15 | 242.25 | 215.25 | +1.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 334.75 | 323.95 | 296.85 | 269.65 | — | 215.45 | +5.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 335.55 | 324.75 | 297.65 | 270.45 | 243.35 | 216.25 | +3.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 336.15 | 325.35 | 298.15 | 271.05 | 243.95 | 216.75 | +4.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 336.15 | 325.35 | 298.15 | 271.05 | 243.95 | 216.75 | +4.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 336.15 | 325.35 | 298.15 | 271.05 | 243.95 | 216.75 | +5.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 336.95 | 326.05 | 298.75 | 271.45 | 244.25 | 216.95 | +6.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 336.95 | 326.05 | 298.75 | 271.45 | 244.25 | 216.95 | +6.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 338.15 | 327.05 | 299.45 | 271.65 | 243.95 | 216.25 | +2.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 339.95 | 333.75 | 301.85 | 274.55 | 247.35 | 220.05 | −1.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 340.35 | 334.15 | 302.15 | 274.95 | 247.65 | 220.45 | −1.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 340.75 | 329.85 | 306.65 | 279.45 | 248.55 | 221.35 | +1.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 342.35 | 331.65 | 304.45 | 277.35 | 250.25 | 223.15 | +6.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 342.65 | 331.85 | 314.35 | 287.15 | 252.35 | 225.25 | +1.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 342.65 | 331.75 | 304.45 | 277.25 | 249.95 | 222.75 | +1.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 343.85 | 333.15 | 306.15 | 278.75 | 251.75 | 224.75 | +1.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 344.25 | 333.45 | 306.25 | 279.15 | 252.05 | 224.85 | +3.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 344.55 | 333.65 | 306.65 | 279.45 | 252.35 | 225.25 | +2.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 345.05 | 334.05 | 306.25 | 278.55 | 250.85 | 223.15 | +3.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 345.75 | 334.95 | 307.75 | 280.65 | — | 226.45 | +5.9 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 347.25 | 338.95 | 317.95 | 297.05 | 275.65 | 254.75 | +6.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 347.85 | 338.25 | 314.15 | 289.95 | 265.95 | 241.75 | +6.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 348.35 | 337.45 | 310.15 | 282.95 | 255.65 | 228.45 | +2.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 348.45 | 337.65 | 310.45 | 283.35 | — | 229.15 | +3.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 350.35 | 339.55 | 312.35 | 287.15 | 261.95 | 238.65 | +3.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 350.55 | 339.75 | 312.55 | 285.45 | 258.35 | 231.25 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 350.55 | 339.75 | 312.55 | 285.45 | 258.35 | 231.25 | +3.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 350.95 | 344.75 | 312.85 | 285.55 | 258.35 | 231.05 | −1.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 352.25 | 341.55 | 314.35 | 287.15 | 260.15 | 232.95 | +3.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 352.25 | 341.55 | 314.35 | 287.15 | 260.15 | 232.95 | New tariff 2026 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 352.45 | 341.75 | 314.85 | 287.35 | 260.35 | 233.45 | +4.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 354.35 | 343.65 | 316.65 | 289.25 | 262.25 | 235.25 | +8.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 355.95 | 346.05 | 321.35 | 296.65 | 272.05 | 247.35 | +6.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 356.15 | 349.15 | 321.95 | 294.85 | 263.85 | 236.75 | +1.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 356.35 | 345.65 | 318.65 | 291.25 | 264.25 | 237.35 | +8.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 358.35 | 347.55 | 320.35 | 293.25 | 266.15 | 239.05 | 0.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 358.35 | 347.75 | 320.75 | 293.25 | 266.35 | 239.35 | +8.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 358.35 | 352.05 | 320.15 | 292.95 | 265.65 | 238.35 | −1.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 359.35 | 348.55 | 321.35 | 294.25 | — | 239.95 | +4.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 359.95 | 349.95 | 325.05 | 300.05 | 275.15 | 250.15 | +6.7 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 360.65 | 349.85 | 322.55 | 295.25 | 268.05 | 240.75 | +6.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 361.95 | 355.75 | 323.85 | 296.55 | 269.35 | 242.05 | −1.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 363.85 | 352.95 | 325.85 | 298.75 | 271.55 | 244.45 | +2.9 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 364.45 | 353.65 | 326.85 | 299.35 | 277.05 | 255.65 | +6.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 364.45 | 353.65 | 326.55 | 299.35 | 272.35 | 245.15 | +4.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 365.05 | 354.15 | 326.95 | 299.65 | 272.35 | 245.15 | New tariff 2026 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 365.25 | 354.45 | 327.25 | 300.25 | 273.05 | 245.95 | +4.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 365.75 | 354.75 | 327.15 | 299.55 | 272.05 | 244.45 | +6.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 366.55 | 355.85 | 328.95 | 301.45 | 274.45 | 247.55 | +8.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 368.55 | 357.75 | 330.65 | 303.45 | 276.45 | 249.25 | +4.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 369.25 | 358.45 | 331.25 | 304.15 | 277.05 | 249.95 | +3.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 371.55 | 360.65 | 333.35 | 306.15 | 278.85 | 251.55 | New tariff 2026 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 374.75 | 363.85 | 336.65 | 309.35 | 282.05 | 254.85 | +1.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 375.35 | 364.45 | 337.35 | 312.15 | 286.95 | 259.85 | +2.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 375.35 | 364.45 | 337.15 | 309.95 | 282.65 | 255.35 | −5.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 376.25 | 365.55 | 338.55 | 311.15 | 284.15 | 257.15 | +1.1 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 377.85 | 368.55 | 345.75 | 323.05 | 300.25 | 277.45 | +6.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 378.85 | 367.95 | 340.75 | 313.45 | 286.25 | 258.95 | +1.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 378.85 | 367.95 | 340.75 | 313.45 | 286.25 | 258.95 | +1.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 379.15 | 368.35 | 341.25 | 314.05 | 286.95 | 259.85 | +1.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 386.55 | 375.75 | 348.65 | 321.45 | — | 267.25 | +4.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 387.55 | 376.65 | 349.45 | 322.15 | 294.85 | 267.65 | +1.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 391.25 | 380.35 | 353.15 | 325.85 | 298.55 | 271.35 | +1.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 391.25 | 380.35 | 353.15 | 325.85 | 298.55 | 271.35 | +1.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 396.05 | 385.15 | 357.65 | 330.25 | 302.85 | 275.45 | +6.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 401.15 | 390.35 | 363.15 | 336.05 | 308.95 | 281.85 | +4.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 403.35 | 392.65 | 365.65 | 338.25 | 311.25 | 284.25 | +8.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 403.65 | 392.75 | 365.45 | 338.25 | 310.95 | 283.75 | +1.5 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 404.55 | 393.75 | 366.25 | 338.85 | 311.45 | 284.05 | +5.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 407.75 | 396.85 | 369.65 | 342.35 | 315.05 | 287.85 | +1.4 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 412.25 | 403.90 | 374.65 | 345.45 | 316.20 | 291.20 | +6.0 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 434.20 | 425.40 | 394.65 | 368.30 | 337.55 | 306.75 | +6.0 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Root for a young adult aged 19 to 25 with a deductible of 300 CHF, without accident cover?

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/lu/root/young-adult/no-accident/), the cheapest offer in [Root](https://praemiencheck.onedoc.ch/en/lu/root/) is Agrisano (AGRIsmart) at 290.15 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 313.05 CHF a month.

### How much does health insurance cost in Root in 2026 for a young adult aged 19 to 25?

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/lu/root/young-adult/) with a deductible of 300 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/lu/root/young-adult/no-accident/), monthly premiums run from 290.15 CHF (Agrisano, AGRIsmart) to 434.20 CHF (vita surselva, Standard model): 123 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: 264.25 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 290.15 CHF a month with the 300 CHF deductible to 185.35 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/root/young-adult/no-accident/deductible-2500/): 104.80 CHF less a month, 1'257.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'697 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Root 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 313.05 CHF (Sanitas), family doctor / HMO 294.75 CHF (CSS), flexible model 299.15 CHF (Sympany), telemedicine 290.15 CHF (Agrisano).

### 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 295.30 CHF at Agrisano (AGRIsmart) gives 290.15 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.

## 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: Root is in region 2 of canton Lucerne.
- 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 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/root/young-adult/no-accident/deductible-300/

## Related pages

- Health insurance premiums 2026 in Root (LU): every situation: https://praemiencheck.onedoc.ch/en/lu/root/
- Premiums 2026 in Root (LU), young adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/lu/root/young-adult/
- Premiums 2026 in Root (LU), young adult, without accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/lu/root/young-adult/no-accident/
- Child: https://praemiencheck.onedoc.ch/en/lu/root/child/
- Adult: https://praemiencheck.onedoc.ch/en/lu/root/adult/
- With accident cover: https://praemiencheck.onedoc.ch/en/lu/root/young-adult/with-accident/deductible-300/
- Deductible Premiums 2026 in Root (LU), young adult, deductible of 500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/root/young-adult/no-accident/deductible-500/
- Deductible Premiums 2026 in Root (LU), young adult, deductible of 1'000 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/root/young-adult/no-accident/deductible-1000/
- Deductible Premiums 2026 in Root (LU), young adult, deductible of 1'500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/root/young-adult/no-accident/deductible-1500/
- Deductible Premiums 2026 in Root (LU), young adult, deductible of 2'000 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/root/young-adult/no-accident/deductible-2000/
- Deductible Premiums 2026 in Root (LU), young adult, deductible of 2'500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/lu/root/young-adult/no-accident/deductible-2500/

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