Health insurance premiums 2027 in the canton of St. Gallen (SG)

That depends on your municipality’s premium region. For an adult without accident cover: region 1 (St. Gallen, Wil, Gossau…): 341.30 CHF a month with a 2'500 CHF deductible (Sanitas, Family doctor 1) and 455.25 CHF with a 300 CHF deductible (ÖKK, ÖKK CASAMED HMO). region 2 (Rapperswil-Jona, Uzwil, Buchs…): 306.75 CHF a month with a 2'500 CHF deductible (Atupri, HMO) and 414.25 CHF with a 300 CHF deductible (Agrisano, AGRIsmart). region 3 (Altstätten, Widnau, Oberriet…): 290.75 CHF a month with a 2'500 CHF deductible (Agrisano, AGRIsmart) and 396.25 CHF with a 300 CHF deductible.

For an adult without accident cover with a 300 CHF deductible, the canton’s lowest premium is 396.25 CHF a month in premium region 3 (Altstätten, Widnau, Oberriet…), with Agrisano (AGRIsmart). In the dearest region, region 1 (St. Gallen, Wil, Gossau…), the lowest premium is 455.25 CHF.

For a child with accident cover and a 0 CHF deductible, the canton’s lowest premium is 88.15 CHF a month with Agrisano (AGRIsmart), in premium region 3 (Altstätten, Widnau, Oberriet…).

In 2027, 25 health insurers offer their models in the canton of St. Gallen. Basic insurance benefits are the same with all of them; only the premium, the model, the deductible and accident cover differ.

The canton has 3 premium regions set at federal level based on cost differences; health insurers may charge different premiums from one region to another. Your municipality of residence, not your postcode, determines the region. Region 1: 8 municipalities, including St. Gallen, Wil, Gossau. Region 2: 44 municipalities, including Rapperswil-Jona, Uzwil, Buchs. Region 3: 23 municipalities, including Altstätten, Widnau, Oberriet.

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 401.00 CHF at Agrisano (AGRIsmart) gives 396.25 CHF after redistribution.

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.