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Change the search: RootAdultYoung adultChild · with accidentwithout accidentThe lowest monthly premiumThe lowest deductible300 CHF500 CHF1'000 CHF1'500 CHF2'000 CHF2'500 CHF0 CHF100 CHF200 CHF400 CHF600 CHF

Health insurance premiums 2027 in Root (LU) For a young adult aged 19 to 25 who wants a deductible of 2'500 CHF with accident cover

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122 offersfrom 25 health insurers

Young adult (19 to 25) · with accident cover · deductible of 2'500 CHF

Results sorted by ascending monthly premium for the selected criteria.

The amount shown is the FOPH-approved premium less the redistribution of the environmental levies, 4.75 CHF per person per month (set by the Confederation for the year, source FOEN). It is not necessarily your invoice: your canton’s individual premium reduction or a discount for annual payment, for example, are not taken into account.

In Root (canton Lucerne), in 2027, for a young adult aged 19 to 25 with a 2'500 CHF deductible and with accident cover, the cheapest monthly basic insurance premium is 206.25 CHF with CONCORDIA (HMO model) and the most expensive is 341.45 CHF with Groupe Mutuel – Mutuel (Standard model).

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Frequently asked questions

Which health insurance is the cheapest in Root for a young adult aged 19 to 25 with a deductible of 2'500 CHF, with accident cover?

In 2027, with accident cover, the cheapest offer in Root is CONCORDIA (HMO) at 206.25 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 224.25 CHF a month.

How much does health insurance cost in Root in 2027 for a young adult aged 19 to 25?

For a young adult aged 19 to 25 with a deductible of 2'500 CHF and with accident cover, monthly premiums run from 206.25 CHF (CONCORDIA, HMO) to 341.45 CHF (Groupe Mutuel – Mutuel, 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: 271.65 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 with accident cover?

On the cheapest offer (CONCORDIA, HMO), the premium goes from 334.55 CHF a month with the 300 CHF deductible to 206.25 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.

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 2'500 CHF and with accident cover, the cheapest premium per model is: standard model 224.25 CHF (Sanitas), family doctor / HMO 206.25 CHF (CONCORDIA), flexible model 213.55 CHF (Sanitas), telemedicine 207.15 CHF (Atupri).

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 2027 every insured person in Switzerland receives 57.00 CHF, which their insurer deducts from the premium invoices: 4.75 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 211.00 CHF at CONCORDIA (HMO) gives 206.25 CHF after redistribution.

Until when can I change health insurer for 2027?

Your cancellation must reach your current insurer by 30 November 2026 at the latest; the change takes effect on 1 January 2027. The premiums on this page are those approved by the FOPH for 2027.

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.