Health insurance rating 2027: which insurer stays cheap?
Today’s cheapest insurer is not automatically a good choice. Some are cheap for a year and then raise prices sharply, others drop tariffs and force you to switch. Our rating shows which insurers stay cheap over the years.
The rating 2027
Score from 0 to 10, weighted from six component scores. Insurers with at least 50'000 insured persons, calculated across all premium regions. The order may look different in your region, see below.
| # | Insurer | Score | Price | Consistency | Loyalty | Discount | Tariffs | Reserves |
|---|---|---|---|---|---|---|---|---|
| 1 | Concordia | 9.1 | 9.5 | 8.4 | 9.1 | 7.2 | 10.0 | 10.0 |
| 2 | Agrisano | 8.6 | 9.5 | 9.6 | 6.4 | 7.5 | 10.0 | 6.6 |
| 3 | KPT | 8.4 | 10.0 | 9.1 | 5.2 | 10.0 | 10.0 | 3.4 |
| 4 | Sanitas | 7.9 | 10.0 | 8.6 | 8.6 | – | 0.0 | 6.4 |
| 5 | Assura | 7.5 | 9.4 | 10.0 | 1.7 | 9.8 | 9.3 | 0.6 |
| 6 | ÖKK | 7.4 | 9.9 | 4.2 | 10.0 | – | 8.6 | 2.4 |
| 7 | Atupri | 7.2 | 8.3 | 9.5 | 1.5 | 7.5 | 10.0 | 3.9 |
| 8 | Helsana | 6.8 | 8.7 | 8.8 | 4.2 | 0.9 | 9.0 | 3.8 |
| 9 | CSS | 6.1 | 6.4 | 6.5 | 5.6 | 9.0 | 6.2 | 2.6 |
| 10 | Swica | 6.1 | 7.4 | 7.3 | 3.3 | – | 5.7 | 3.0 |
| 11 | EGK | 5.0 | 6.1 | 0.0 | 9.0 | – | 10.0 | 3.2 |
| 12 | Visana | 4.9 | 3.5 | 0.0 | 8.8 | 7.4 | 7.8 | 10.0 |
| 13 | Vivao Sympany | 4.8 | 3.7 | 4.2 | 3.9 | 6.0 | 10.0 | 5.1 |
| 14 | Galenos | 4.4 | 4.0 | 0.0 | 5.7 | 9.3 | 3.8 | 10.0 |
| 15 | Aquilana | 4.0 | 3.0 | 0.0 | 5.4 | 8.4 | 10.0 | 4.7 |
| 16 | sana24 | 3.4 | 2.6 | 0.0 | 4.6 | 9.6 | 6.7 | 2.9 |
| 17 | sodalis | 3.3 | 2.0 | 0.0 | 5.2 | 5.6 | 10.0 | 3.3 |
| 18 | Mutuel | 2.7 | 1.5 | 0.0 | 4.5 | 6.3 | 5.2 | 3.7 |
| 19 | Avenir | 2.4 | 2.8 | 0.0 | 1.1 | 6.2 | 5.2 | 2.3 |
| 20 | Philos | 1.8 | 0.0 | 0.0 | 1.8 | 6.8 | 5.1 | 3.6 |
Depending on your situation: with or without accident cover, deductible 300 or 2'500
Insurers price accident cover and deductibles differently. That is why there are four separate scores. The overall score above weights them by how many adults have each option (FOPH: around 56% without accident cover through the insurer; deductible 300 slightly more common than 2'500). The calculator shows the score for your situation.
| Insurer | Overall | With accident cover, D 300 | With accident cover, D 2'500 | Without accident cover, D 300 | Without accident cover, D 2'500 |
|---|---|---|---|---|---|
| Concordia | 9.1 | 9.6 | 9.6 | 8.3 | 9.1 |
| Agrisano | 8.6 | 8.9 | 8.8 | 8.9 | 7.9 |
| KPT | 8.4 | 8.3 | 8.2 | 8.5 | 8.4 |
| Sanitas | 7.9 | 7.3 | 8.1 | 7.9 | 8.2 |
| Assura | 7.5 | 7.7 | 7.2 | 7.7 | 7.4 |
| ÖKK | 7.4 | 7.4 | 7.3 | 7.4 | 7.4 |
| Atupri | 7.2 | 7.9 | 7.3 | 6.8 | 7.0 |
| Helsana | 6.8 | 6.8 | 6.2 | 7.0 | 7.0 |
| CSS | 6.1 | 5.3 | 5.8 | 6.5 | 6.8 |
| Swica | 6.1 | 6.5 | 5.2 | 6.8 | 5.4 |
| EGK | 5.0 | 4.9 | 4.8 | 5.1 | 5.1 |
| Visana | 4.9 | 4.7 | 5.2 | 4.7 | 5.2 |
| Vivao Sympany | 4.8 | 5.0 | 4.5 | 5.2 | 4.5 |
| Galenos | 4.4 | 4.5 | 4.3 | 4.4 | 4.3 |
| Aquilana | 4.0 | 4.4 | 3.4 | 4.5 | 3.5 |
| sana24 | 3.4 | 3.6 | 3.3 | 3.5 | 3.2 |
| sodalis | 3.3 | 3.5 | 3.0 | 3.5 | 3.0 |
| Mutuel | 2.7 | 3.0 | 2.1 | 3.1 | 2.3 |
| Avenir | 2.4 | 2.5 | 2.1 | 2.6 | 2.2 |
| Philos | 1.8 | 2.2 | 1.4 | 2.2 | 1.4 |
Price Consistency Award 2027
Every year we give awards based on the rating: an overall ranking, categories such as “Consistently cheap” or “Strongest reserves”, and the most price-consistent insurer in every canton. Insurers may use the badge freely.
Regional insurers
Smaller insurers with fewer than 50'000 insured persons. They are measured where they are at home: in the canton where they have the most insured persons. Calculated across all regions they would often look worse, because outside their area they have hardly any customers and are rarely cheap there.
| Insurer | Home region | Score there | All regions |
|---|---|---|---|
| KK Visperterminen | Valais | 10.0 | 10.0 |
| Einsiedler Krankenkasse | Schwyz | 10.0 | 3.9 |
| KK Luzerner Hinterland | Lucerne | 8.7 | 4.4 |
| SLKK | Zurich | 7.7 | 4.4 |
| KK Steffisburg | Bern | 6.4 | 5.2 |
| Glarner | Glarus | 6.3 | 4.9 |
| curaulta | Graubünden | 6.1 | 6.3 |
| vita surselva | Graubünden | 6.1 | 3.0 |
| Sumiswalder | Bern | 4.7 | 4.3 |
| Birchmeier | Aargau | 4.3 | 4.3 |
| rhenusana | St. Gallen | 4.1 | 2.2 |
| KK Wädenswil | Zurich | 3.1 | 4.6 |
The rating in your region
Prices and consistency vary a lot between regions. An insurer that leads in Aargau can be expensive in Geneva. Each canton page shows which insurers are consistently cheap there:
The savings model trap
Without five years of cost data, new savings models may start up to 20% below the standard model (Art. 101 KVV). After that, the discount must be backed by real costs. The data show what that means:
| New models from | Discount in launch year | Discount 2027 | Tariffs × regions |
|---|---|---|---|
| 2021 | 18.4% | 13.2% | 158 |
| 2022 | 18.4% | 15.4% | 320 |
| 2023 | 18.8% | 15.0% | 210 |
| 2024 | 15.0% | 13.5% | 292 |
| Models that already existed in 2020 | 14.3% | 12.9% |
Discount versus the same insurer’s standard model, deductible 2'500, median. The same tariffs tracked from launch year to 2027. So if you switch to a new model and stay, you pay a little more each year relative to standard. The “Discount retention” component measures how strongly this happens at each insurer.
Administrative costs: who spends a lot on itself
The FOPH publishes, for every insurer, what it spends per insured person on administering basic insurance: salaries, IT, advertising and commissions. Advertising and broker commissions are shown separately. The figure does not count towards the score because it is already in the price, but it shows where premium money stays. Average of all insurers 2024: CHF 193. More: what each insurer spends on advertising and brokers →
| Insurer | 2018 | 2024 | Change | Advertising 2025 | Commissions 2025 |
|---|---|---|---|---|---|
| sodalis | CHF 106 | CHF 129 | +21.5% | CHF 3 | CHF 0 |
| CSS | CHF 118 | CHF 156 | +32.7% | CHF 6 | CHF 3 |
| Agrisano | CHF 140 | CHF 159 | +13.6% | CHF 5 | CHF 0 |
| Aquilana | CHF 160 | CHF 160 | +0.3% | CHF 8 | CHF 0 |
| EGK | CHF 332 | CHF 161 | −51.5% | CHF 0 | CHF 1 |
| Concordia | CHF 159 | CHF 165 | +4.2% | CHF 9 | CHF 0 |
| Helsana | CHF 260 | CHF 178 | −31.6% | CHF 9 | CHF 5 |
| KPT | CHF 209 | CHF 190 | −9.2% | CHF 14 | CHF 3 |
| Philos ¹ | CHF 161 | CHF 190 | +17.6% | CHF 8 | CHF 2 |
| Avenir ¹ | CHF 153 | CHF 197 | +28.7% | CHF 8 | CHF 2 |
| Mutuel ¹ | CHF 179 | CHF 204 | +13.7% | CHF 9 | CHF 6 |
| Swica | CHF 145 | CHF 205 | +41.3% | CHF 9 | CHF 2 |
| sana24 | CHF 117 | CHF 206 | +76.0% | CHF 12 | CHF 3 |
| Visana | CHF 134 | CHF 212 | +58.3% | CHF 12 | CHF 3 |
| ÖKK | CHF 172 | CHF 218 | +26.6% | CHF 5 | CHF 18 |
| Sanitas | CHF 207 | CHF 224 | +8.0% | CHF 8 | CHF 7 |
| Vivao Sympany ¹ | CHF 251 | CHF 228 | −9.0% | CHF 6 | CHF 0 |
| Galenos | CHF 249 | CHF 236 | −5.3% | CHF 14 | CHF 17 |
| Assura ¹ | CHF 146 | CHF 262 | +80.0% | CHF 6 | CHF 5 |
| Atupri | CHF 135 | CHF 285 | +111.3% | CHF 15 | CHF 4 |
Per insured person and year, basic insurance only. Total costs from FOPH supervisory data, advertising and commissions from the FOPH analysis of administrative costs. ¹ no staff of its own: administration is bought in as a fee from a group or partner company, and the group decides how it is split among its insurers. The total is still comparable.
How we calculate
| Component | Weight | What it measures |
|---|---|---|
| Price today | 30% | Position of the insurer’s cheapest tariff among all insurers in the premium region, 2027. Among the cheapest 20% = 10 points, from 80% = 0. |
| Consistency | 25% | In how many years since 2020 was the insurer among the 5 cheapest in the region? From 30% of years = 10 points. |
| Loyalty | 15% | How much did the insurer’s cheapest tariff rise for those who stayed in it, compared with the median of all tariffs in the region? Average over all years. 0.3 points a year below market = 10, 1.5 points above = 0. |
| Discount retention | 10% | Do new models keep their discount compared with the same insurer’s standard model? Measured on the same tariffs from launch year to today. No loss = 10, 2 points lost per year = 0. Insurers without new models since 2021 are not scored here. |
| Tariff continuity | 10% | Share of tariffs that continue the following year under the same tariff code. 100% = 10 points, 80% = 0. Dropping or renaming tariffs forces customers to switch. |
| Reserves | 10% | Solvency ratio according to the FOPH as of 1 January 2026: available reserves relative to the legal minimum. 200% = 10 points, 100% = 0. Thin reserves often come before larger increases. |
We use the premiums of all insurers from 2020 to 2027 for adults, with and without accident cover and with deductibles of 300 and 2'500. This gives four separate scores; the overall score weights them by FOPH enrolment figures (With accident cover, deductible 300 24%, With accident cover, deductible 2'500 20%, Without accident cover, deductible 300 30%, Without accident cover, deductible 2'500 26%). Tariffs an insurer renames are followed by name. If a component is missing, its weight is spread over the others. The formula is the same for every insurer, and no insurer pays us anything.
Frequently asked questions
Which health insurer is consistently cheap?
According to our Price Consistency Rating 2027, Concordia, Agrisano and KPT come out best. They are cheap today and were in previous years too. Your canton’s page shows which insurer leads in your region.
Why is today’s cheapest insurer often not the best choice?
Some insurers are cheap for one year and then raise prices more than average. New savings models start with a big discount and lose it in the following years. If you don’t want to switch every year, a consistently cheap insurer serves you better.
Do customer reviews count in the rating?
No. The rating relies only on hard figures from the Federal Office of Public Health: premiums since 2020, solvency ratios and supervisory data. Every number can be recalculated.
Do insurers pay for a good score?
No. abovergleich.com takes no commissions from health insurers. The score comes from a fixed formula, published here.
Sources: FOPH, compulsory health insurance premiums 2020 to 2027 (opendata.swiss); FOPH via priminfo.admin.ch, solvency ratios as of 1 January 2026; FOPH supervisory data; KVV Art. 101. No liability for accuracy.