Health insurance premiums 2027 in Bretigny-sur-Morrens (VD)For a young adult aged 19 to 25 without accident cover

From 260.70 to 608.35 CHF a month depending on the deductible and the model

106 offers from 21 health insurers.

#	Insurer	Model	Deductible
#	Insurer	Model	300 CHF	500 CHF	1'000 CHF	1'500 CHF	2'000 CHF	2'500 CHF
1	Groupe Mutuel – Philos	Flexible modelPrimaFlex (Flexible model)	379.70	369.00	342.10	314.60	287.60	260.70
2	Groupe Mutuel – Avenir	Flexible modelPrimaFlex (Flexible model)	381.90	371.20	344.30	316.80	289.90	262.90
3	Sympany	Flexible modelflexhelp24	385.00	374.20	347.00	319.90	292.80	265.70
4	Visana	Family doctor / HMOManaged Care	387.00	380.80	348.90	321.60	294.40	267.10
5	Groupe Mutuel – Philos	Family doctor / HMOOptiMed (Healthcare network)	390.90	380.20	353.20	325.80	298.80	271.80
6	Sanitas	Family doctor / HMOFamily doctor 1	391.40	380.55	353.40	326.20	299.10	271.95
7	Sanitas	TelemedicineTelMed Basic	391.40	380.55	353.40	326.20	299.10	271.95
8	Assura	Family doctor / HMOPharMed	391.60	380.80	353.60	326.50	299.40	272.30
9	Assura	Flexible modelHausspital	393.90	383.10	356.00	328.80	301.70	274.60
10	Assura	Flexible modelQualiMed	393.90	383.10	356.00	328.80	301.70	274.60
11	Sympany	Flexible modelcasamed pharm	394.10	383.20	356.10	329.00	301.80	274.70
12	Sympany	Family doctor / HMOcasamed hmo	394.10	383.20	356.10	329.00	301.80	274.70
13	CSS	Family doctor / HMOHausarztversicherung Profit	394.20	383.40	356.30	329.10	302.10	274.90
14	Groupe Mutuel – Avenir	Family doctor / HMOOptiMed (Healthcare network)	395.20	384.60	357.60	330.10	303.20	276.20
15	Groupe Mutuel – Philos	TelemedicineSanaTel (Telemedicine)	395.40	384.70	357.70	330.30	303.30	276.30
			See all	See all	See all	See all	See all	See all

In 2027, for a young adult aged 19 to 25 in Bretigny-sur-Morrens, without accident cover, the cheapest health insurance premium is:

379.70 CHF a month with a 300 CHF deductible (Groupe Mutuel – Philos, PrimaFlex (Flexible model))
260.70 CHF a month with a 2'500 CHF deductible (Groupe Mutuel – Philos, PrimaFlex (Flexible model))

Lowest premium by deductible in Bretigny-sur-Morrens for a young adult without accident cover

Deductible of 300 CHF379.70 CHFGroupe Mutuel – PhilosFlexible modelPrimaFlex (Flexible model)
Deductible of 500 CHF369.00 CHFGroupe Mutuel – PhilosFlexible modelPrimaFlex (Flexible model)
Deductible of 1'000 CHF342.10 CHFGroupe Mutuel – PhilosFlexible modelPrimaFlex (Flexible model)
Deductible of 1'500 CHF314.60 CHFGroupe Mutuel – PhilosFlexible modelPrimaFlex (Flexible model)
Deductible of 2'000 CHF287.60 CHFGroupe Mutuel – PhilosFlexible modelPrimaFlex (Flexible model)
Deductible of 2'500 CHF260.70 CHFGroupe Mutuel – PhilosFlexible modelPrimaFlex (Flexible model)

Which deductible to choose?

As a guide, a 300 CHF deductible often costs less overall if your healthcare costs exceed about 2'000 CHF a year; 2'500 CHF can cost less if your costs are lower.

Always compare total annual cost (premiums + cost sharing), not just the monthly premium.

Last modified: 29/09/2026

Frequently asked questions

Which health insurance is the cheapest in Bretigny-sur-Morrens for a young adult aged 19 to 25 with a deductible of 300 CHF, without accident cover?

In 2027, without accident cover, the cheapest offer in Bretigny-sur-Morrens is Groupe Mutuel – Philos (PrimaFlex (Flexible model)) at 379.70 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 407.70 CHF a month.

How much does health insurance cost in Bretigny-sur-Morrens in 2027 for a young adult aged 19 to 25?

For a young adult aged 19 to 25 with a deductible of 300 CHF and without accident cover, monthly premiums run from 379.70 CHF (Groupe Mutuel – Philos, PrimaFlex (Flexible model)) to 608.35 CHF (vita surselva, Standard model): 106 offers from 21 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: 363.20 CHF (an FOPH statistic, distinct from the offers above).

Is a deductible of 300 CHF or 2'500 CHF better in Bretigny-sur-Morrens for a young adult aged 19 to 25 without accident cover?

On the cheapest offer (Groupe Mutuel – Philos, PrimaFlex (Flexible model)), the premium goes from 379.70 CHF a month with the 300 CHF deductible to 260.70 CHF with the 2'500 CHF deductible: 119.00 CHF less a month, 1'428.00 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'887 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

Which model is the cheapest in Bretigny-sur-Morrens 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 300 CHF and without accident cover, the cheapest premium per model is: standard model 407.70 CHF (Sanitas), family doctor / HMO 387.00 CHF (Visana), flexible model 379.70 CHF (Groupe Mutuel – Philos), telemedicine 391.40 CHF (Sanitas).

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.