Health insurance premiums 2026 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…): 321.75 CHF a month with a 2'500 CHF deductible (Sympany, casamed hmo) and 441.05 CHF with a 300 CHF deductible. region 2 (Rapperswil-Jona, Uzwil, Buchs…): 288.65 CHF a month with a 2'500 CHF deductible (Agrisano, AGRIsmart) and 393.45 CHF with a 300 CHF deductible. region 3 (Altstätten, Widnau, Oberriet…): 271.55 CHF a month with a 2'500 CHF deductible (Agrisano, AGRIsmart) and 376.35 CHF with a 300 CHF deductible.

For an adult without accident cover with a 300 CHF deductible, the canton’s lowest premium is 376.35 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 441.05 CHF.

For a child with accident cover and a 0 CHF deductible, the canton’s lowest premium is 83.15 CHF a month with Agrisano (AGRIsmart), in premium region 3 (Altstätten, Widnau, Oberriet…).

In 2026, 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 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 381.50 CHF at Agrisano (AGRIsmart) gives 376.35 CHF after redistribution.

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.