# Health insurance premiums 2026 in Sarnen (OW), for a young adult aged 19 to 25 who wants a deductible of 2'500 CHF without accident cover

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

In [Sarnen](https://praemiencheck.onedoc.ch/en/ow/sarnen/) ([canton Obwalden](https://praemiencheck.onedoc.ch/en/ow/)), in 2026, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/ow/sarnen/young-adult/) with a 2'500 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/ow/sarnen/young-adult/no-accident/), the cheapest monthly basic insurance premium is **157.35 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 301.05 CHF with SLKK (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2025 (2'500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 260.25 | 250.75 | 226.95 | 203.05 | 179.25 | 157.35 | +6.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 277.35 | 266.55 | 239.45 | 212.25 | 185.25 | 158.55 | −10.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 280.55 | 269.75 | 242.55 | 215.35 | 188.25 | 161.10 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 280.75 | 269.95 | 242.75 | 215.55 | 188.45 | 161.25 | New tariff 2026 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 274.15 | 264.05 | 239.05 | 214.05 | 188.95 | 163.85 | +8.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 283.50 | 272.70 | 245.50 | 218.35 | 191.25 | 164.05 | 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 | 283.50 | 272.70 | 245.50 | 218.35 | 191.25 | 164.05 | 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 | 283.50 | 272.70 | 245.50 | 218.35 | 191.25 | 164.05 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 283.65 | 272.85 | 245.75 | 218.55 | 191.45 | 164.25 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 283.65 | 272.85 | 245.75 | 218.55 | 191.45 | 164.25 | New tariff 2026 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 278.85 | 268.55 | 243.15 | 217.65 | 192.05 | 166.75 | +8.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 277.05 | 270.85 | 238.95 | 211.65 | 184.35 | 170.55 | +3.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 277.05 | 270.85 | 238.95 | 211.65 | 184.35 | 170.55 | +3.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 288.55 | 282.35 | 250.35 | 223.15 | 195.85 | 170.55 | +3.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 291.85 | 285.55 | 253.65 | 226.35 | 199.15 | 171.85 | +4.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 289.45 | 278.45 | 250.65 | 222.95 | 195.35 | 172.05 | +4.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 291.15 | 280.15 | 252.35 | 224.65 | 197.05 | 172.05 | +4.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 292.55 | 281.75 | 254.55 | 227.35 | 200.25 | 173.05 | +3.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 288.95 | 278.05 | 250.45 | 222.85 | 195.35 | 173.75 | +5.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 292.25 | 281.35 | 253.75 | 226.15 | 198.65 | 173.75 | +5.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 297.35 | 286.45 | 258.85 | 231.25 | 203.75 | 176.15 | +6.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 289.75 | 278.85 | 251.65 | 224.65 | 197.45 | 177.05 | −0.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 296.45 | 285.65 | 258.45 | 231.35 | 204.25 | 177.05 | −0.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 289.75 | 278.85 | 251.65 | 224.65 | 197.45 | 177.05 | −0.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 287.95 | 277.15 | 249.95 | 222.85 | 195.75 | 177.05 | −0.5 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 294.05 | 283.35 | 256.45 | 228.95 | 202.05 | 177.65 | +0.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 292.85 | 282.05 | 254.95 | 227.75 | 200.75 | 179.05 | +15.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 301.25 | 290.25 | 262.45 | 234.75 | 207.05 | 179.35 | +7.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 299.25 | 288.55 | 261.35 | 234.15 | 207.15 | 179.95 | +1.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 299.25 | 288.55 | 261.35 | 234.15 | 207.15 | 179.95 | −0.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 299.25 | 288.55 | 261.35 | 234.15 | 207.15 | 179.95 | +0.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 299.25 | 288.55 | 261.35 | 234.15 | 207.15 | 179.95 | −16.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 300.05 | 293.75 | 261.85 | 234.55 | 207.35 | 180.05 | +6.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 299.85 | 288.95 | 261.95 | 234.75 | 207.55 | 180.55 | −0.7 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 303.55 | 292.35 | 264.75 | 237.05 | 209.25 | 181.65 | +8.7 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 303.35 | 292.55 | 265.25 | 237.95 | 210.65 | 183.35 | +7.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 302.55 | 291.85 | 264.85 | 237.45 | 210.45 | 183.45 | −0.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 302.55 | 291.85 | 264.85 | 237.45 | 210.45 | 183.45 | −0.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 303.15 | 292.45 | 265.25 | 238.05 | 211.05 | 183.85 | +18.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 301.95 | 291.05 | 272.45 | 245.35 | 211.45 | 184.25 | +10.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 306.55 | 300.35 | 268.35 | 241.15 | 213.85 | 186.65 | +6.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 297.15 | 287.15 | 262.25 | 237.35 | 212.45 | 187.55 | +4.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 297.15 | 287.15 | 262.25 | 237.35 | 212.45 | 187.55 | +4.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 306.25 | 295.45 | 268.35 | 241.25 | 214.15 | 188.65 | +5.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 308.35 | 297.55 | 270.35 | 243.25 | 216.15 | 188.95 | +21.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 305.65 | 294.95 | 267.95 | 240.55 | 213.55 | 191.25 | +5.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 311.75 | 300.95 | 273.85 | 246.65 | 219.55 | 192.45 | +24.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 314.75 | 303.65 | 275.95 | 248.25 | 220.55 | 192.85 | +7.0 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 313.65 | 302.70 | 275.30 | 247.85 | 220.45 | 193.05 | +5.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 313.55 | 302.75 | 275.35 | 248.05 | 220.85 | 193.55 | +7.4 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 292.55 | 283.05 | 258.95 | 234.95 | 209.85 | 195.45 | +5.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 314.25 | 303.45 | 276.35 | 249.15 | 222.05 | 196.85 | −1.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 316.55 | 305.85 | 278.85 | 251.45 | 224.45 | 197.55 | +7.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 317.95 | 307.15 | 280.05 | 252.85 | 225.85 | 198.65 | −3.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 317.95 | 307.15 | 280.05 | 252.85 | 225.85 | 198.65 | −3.0 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 317.05 | 306.10 | 278.70 | 251.90 | 225.70 | 199.70 | +4.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 319.95 | 309.05 | 281.85 | 254.55 | 227.35 | 200.05 | New tariff 2026 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 319.95 | 309.05 | 281.85 | 254.55 | 227.35 | 200.05 | −3.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 320.35 | 309.45 | 282.15 | 254.95 | 227.65 | 200.45 | New tariff 2026 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 321.05 | 310.15 | 282.95 | 255.65 | 228.35 | 201.15 | −2.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 313.85 | 302.95 | 275.85 | 250.45 | 224.95 | 201.25 | +13.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 320.85 | 310.15 | 283.15 | 255.75 | 228.75 | 201.75 | +12.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 321.75 | 310.95 | 283.75 | 256.65 | 229.55 | 202.35 | −3.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 322.25 | 314.85 | 287.75 | 260.55 | 230.05 | 202.95 | +9.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 322.95 | 316.75 | 284.75 | 257.55 | 230.25 | 203.05 | +6.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 323.45 | 312.65 | 285.55 | 258.35 | 231.35 | 204.15 | +4.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 325.55 | 314.75 | 287.55 | 260.45 | 233.35 | 206.15 | −4.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 325.55 | 314.75 | 287.55 | 260.45 | 233.35 | 206.15 | New tariff 2026 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 327.35 | 316.55 | 289.45 | 262.25 | 235.15 | 208.05 | +13.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 327.45 | 316.75 | 289.75 | 262.35 | 235.35 | 208.45 | +7.2 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 321.05 | 310.25 | 282.95 | 255.65 | 228.45 | 208.95 | +14.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 328.15 | 317.45 | 290.55 | 263.05 | 236.15 | 209.15 | +12.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 328.15 | 317.45 | 290.55 | 263.05 | 236.15 | 209.15 | +12.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 331.55 | 320.55 | 292.75 | 265.05 | 237.35 | 209.65 | +6.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 330.05 | 319.25 | 291.95 | 264.65 | 237.45 | 210.15 | +6.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 332.85 | 321.85 | 294.25 | 266.65 | 239.15 | 211.55 | +8.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 332.05 | 321.15 | 293.85 | 266.55 | 239.35 | 212.05 | +5.3 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 324.75 | 313.95 | 286.65 | 259.35 | 232.15 | 212.55 | +15.7 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 334.05 | 323.05 | 295.65 | 268.25 | 240.80 | 213.40 | +5.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 332.95 | 322.25 | 295.25 | 267.85 | 240.85 | 213.95 | −0.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 333.65 | 322.95 | 295.75 | 268.55 | 241.55 | 214.35 | −0.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 334.15 | 323.35 | 296.15 | 269.05 | 241.95 | 214.85 | +9.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 327.35 | 316.55 | 289.45 | 263.95 | 238.55 | 214.85 | +13.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 336.75 | 325.95 | 298.85 | 271.65 | 244.65 | 217.45 | −3.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 336.95 | 326.15 | 299.05 | 271.95 | 244.75 | 217.65 | +5.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 337.45 | 326.65 | 299.45 | 272.35 | 245.25 | 218.05 | +26.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 339.45 | 328.55 | 301.35 | 274.05 | 246.85 | 219.55 | +5.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 340.45 | 329.65 | 302.55 | 275.35 | 248.35 | 221.15 | −3.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 341.65 | 330.85 | 303.75 | 276.55 | — | 222.35 | +2.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 343.25 | 332.35 | 305.05 | 277.85 | 250.55 | 223.25 | +5.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 345.15 | 334.35 | 307.15 | 280.05 | 252.95 | 225.85 | +5.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 350.75 | 339.85 | 312.55 | 285.25 | 258.05 | 230.75 | +5.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 350.75 | 339.85 | 312.55 | 285.25 | 258.05 | 230.75 | +5.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 353.25 | 342.35 | 315.15 | 287.85 | 260.65 | 233.35 | −10.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 352.95 | 342.15 | 315.05 | 287.85 | 260.75 | 233.65 | +5.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 355.75 | 344.95 | 317.85 | 290.65 | — | 236.45 | +7.2 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 357.25 | 346.45 | 319.15 | 291.85 | 264.65 | 237.35 | +16.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 358.65 | 347.85 | 320.75 | 293.55 | — | 239.35 | +6.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 358.35 | 347.65 | 320.65 | 293.25 | 266.25 | 239.35 | +6.9 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 335.65 | 327.25 | 306.35 | 285.45 | 264.05 | 243.15 | +8.5 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 352.25 | 341.55 | 314.65 | 287.15 | 264.85 | 243.45 | +8.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 363.15 | 352.45 | 325.55 | 298.05 | 271.15 | 244.15 | +11.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 364.55 | 353.75 | 326.65 | 299.45 | 272.45 | 245.25 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 364.55 | 353.75 | 326.65 | 299.45 | 272.45 | 245.25 | +4.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 369.45 | 358.55 | 331.25 | 304.05 | 276.75 | 249.45 | +5.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 370.65 | 359.85 | 332.65 | 305.55 | 278.45 | 251.35 | −2.8 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 383.50 | 375.75 | 344.65 | 317.45 | 286.35 | 259.15 | +8.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 378.55 | 367.75 | 340.65 | 313.45 | — | 259.25 | +7.3 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 370.45 | 360.85 | 336.65 | 312.55 | 288.45 | 264.25 | +10.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 384.05 | 373.25 | 346.05 | 318.95 | 291.85 | 264.65 | +4.8 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 365.15 | 355.95 | 333.15 | 310.35 | 287.55 | 264.75 | +8.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 378.95 | 369.15 | 344.45 | 319.75 | 295.15 | 270.45 | +10.6 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 383.25 | 373.35 | 348.35 | 323.35 | 298.45 | 273.45 | +10.6 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 396.85 | 386.15 | 359.45 | 332.55 | 305.75 | 278.95 | +14.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 398.45 | 387.65 | 360.55 | 333.35 | — | 279.15 | +7.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 421.65 | 410.75 | 383.25 | 355.85 | 328.45 | 301.05 | +10.6 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Sarnen for a young adult aged 19 to 25 with a deductible of 2'500 CHF, without accident cover?

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/ow/sarnen/young-adult/no-accident/), the cheapest offer in [Sarnen](https://praemiencheck.onedoc.ch/en/ow/sarnen/) is Agrisano (AGRIsmart) at 157.35 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 173.05 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/ow/sarnen/young-adult/) with a deductible of 2'500 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/ow/sarnen/young-adult/no-accident/), monthly premiums run from 157.35 CHF (Agrisano, AGRIsmart) to 301.05 CHF (SLKK, Standard model): 116 offers from 26 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: 255.85 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 260.25 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ow/sarnen/young-adult/no-accident/deductible-300/) to 157.35 CHF with the 2'500 CHF deductible: 102.90 CHF less a month, 1'234.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'672 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Sarnen 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 without accident cover, the cheapest premium per model is: standard model 173.05 CHF (Sanitas), family doctor / HMO 158.55 CHF (CSS), flexible model 164.25 CHF (Sanitas), telemedicine 157.35 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 162.50 CHF at Agrisano (AGRIsmart) gives 157.35 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: Sarnen is in region 0 of canton Obwalden.
- 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/ow/sarnen/young-adult/no-accident/deductible-300/

## Related pages

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

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