Health insurance premiums 2026 in the canton of Schaffhausen (SH)

That depends on your municipality’s premium region. For an adult without accident cover: region 1 (Schaffhausen, Neuhausen am Rheinfall…): 327.85 CHF a month with a 2'500 CHF deductible (Helsana, BeneFit PLUS Hausarzt R2) and 441.55 CHF with a 300 CHF deductible (ÖKK, HMO model). region 2 (Thayngen, Beringen, Stein am Rhein…): 296.45 CHF a month with a 2'500 CHF deductible (Assura, PharMed) and 406.95 CHF with a 300 CHF deductible (Agrisano, AGRIsmart).

For an adult without accident cover with a 300 CHF deductible, the canton’s lowest premium is 406.95 CHF a month in premium region 2 (Thayngen, Beringen, Stein am Rhein…), with Agrisano (AGRIsmart). In the dearest region, region 1 (Schaffhausen, Neuhausen am Rheinfall…), the lowest premium is 441.55 CHF.

For a child with accident cover and a 0 CHF deductible, the canton’s lowest premium is 90.35 CHF a month with Agrisano (AGRIsmart), in premium region 2 (Thayngen, Beringen, Stein am Rhein…).

In 2026, 23 health insurers offer their models in the canton of Schaffhausen. Basic insurance benefits are the same with all of them; only the premium, the model, the deductible and accident cover differ.

The canton has 2 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: 2 municipalities, including Schaffhausen, Neuhausen am Rheinfall. Region 2: 24 municipalities, including Thayngen, Beringen, Stein am Rhein.

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 412.10 CHF at Agrisano (AGRIsmart) gives 406.95 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.