Health insurance Appenzell Ausserrhoden: the cheapest premiums 2027
The cheapest basic health insurance for adults in the canton of Appenzell Ausserrhoden costs CHF 322.40 per month in 2027 (Agrisano, Telmed, deductible 2'500, across the whole canton). Benefits are set by law and identical at every insurer, you only pay a different price.
The 10 cheapest health insurers in the canton of Appenzell Ausserrhoden 2027
Adults aged 26 and over, deductible CHF 2'500, with accident cover, across the whole canton. The cheapest tariff of each insurer. The change compares the same tariff with 2026.
| # | Insurer | Premium / month | vs. 2026 |
|---|---|---|---|
| 1 | AgrisanoTelmed · AGRIsmart | CHF 322.40 | +6.8% |
| 2 | EGKTelmed · EGK-TelCare | CHF 329.90 | +3.2% |
| 3 | KPTTelmed · KPTwin.smart - Hausarzt mit App | CHF 334.50 | +6.0% |
| 4 | ÖKKHMO · ÖKK CASAMED HMO | CHF 335.50 | +8.8% |
| 5 | SanitasFamily doctor · Hausarztmodell 1 | CHF 336.55 | +5.1% |
| 6 | SwicaAlternative · Favorit Multichoice | CHF 340.80 | +4.4% |
| 7 | ConcordiaHMO · HMO | CHF 346.10 | +5.6% |
| 8 | Vivao SympanyAlternative · flexhelp24 | CHF 349.30 | +5.5% |
| 9 | HelsanaTelmed · Helsana BeneFit PLUS Telemed | CHF 349.60 | +2.8% |
| 10 | AssuraAlternative · FeminaVita | CHF 352.80 | +5.5% |
Standard model with free choice of doctor
If you want no restriction on your choice of doctor: the cheapest insurers in the standard model, deductible CHF 300, across the whole canton.
| # | Insurer | Premium / month | vs. 2026 |
|---|---|---|---|
| 1 | Agrisano | CHF 501.00 | +4.5% |
| 2 | rhenusana | CHF 532.60 | +4.2% |
| 3 | ÖKK | CHF 533.00 | +6.2% |
| 4 | Sumiswalder | CHF 534.30 | +4.2% |
| 5 | Sanitas | CHF 534.30 | +3.6% |
| 6 | Swica | CHF 539.20 | +2.0% |
| 7 | EGK | CHF 540.70 | +0.2% |
| 8 | Concordia | CHF 542.10 | +4.0% |
| 9 | vita surselva | CHF 545.00 | +5.6% |
| 10 | KPT | CHF 546.40 | +4.5% |
Consistently cheap in the canton of Appenzell Ausserrhoden
Not just cheap this year, but over the years: the five insurers with the best score in the Price Consistency Rating, calculated for the canton’s main region. The last column shows in how many years since 2020 the insurer was among the 5 cheapest here (deductible 2'500).
| Insurer | Score | Years among the 5 cheapest |
|---|---|---|
| EGK | 9.1 | 4 of 8 |
| Agrisano | 8.9 | 5 of 8 |
| ÖKK | 8.9 | 3 of 8 |
| Concordia | 8.8 | 3 of 8 |
| KPT | 8.6 | 5 of 8 |
EGK is the most price-consistent health insurer in the canton of Appenzell Ausserrhoden in 2027.
Cheapest last year, and now?
The cheapest tariff of 2026 in the premium region of the canton and what the same tariff costs in 2027. Adults, deductible 2'500, without accident cover, per month. Last year’s cheapest tariff is still the cheapest in 2027.
| Region | Cheapest 2026 | 2026 | 2027 | Change | Rank 2027 |
|---|---|---|---|---|---|
| whole canton | AgrisanoTelmed · AGRIsmart | CHF 286.80 | CHF 306.30 | +6.8%Market +6.0% | 1 of 23 |
How much each insurer raises premiums in the canton of Appenzell Ausserrhoden
Change in the standard premium from 2026 to 2027, deductible 300, adults, average across premium regions. The smallest increase is at the top. Canton average: +3.6%.
| Insurer | Ø Standard 2027 | vs. 2026 |
|---|---|---|
| EGK | CHF 541 | +0.2% |
| Atupri | CHF 659 | +1.0% |
| Swica | CHF 539 | +2.0% |
| Helsana | CHF 569 | +3.3% |
| Sanitas | CHF 534 | +3.6% |
| Vivao Sympany | CHF 549 | +4.0% |
| Concordia | CHF 542 | +4.0% |
| Assura | CHF 580 | +4.0% |
| CSS | CHF 582 | +4.1% |
| Sumiswalder | CHF 534 | +4.2% |
| rhenusana | CHF 533 | +4.2% |
| SLKK | CHF 634 | +4.3% |
| KPT | CHF 546 | +4.5% |
| Agrisano | CHF 501 | +4.5% |
| Mutuel | CHF 663 | +4.5% |
| Galenos | CHF 596 | +4.6% |
| sana24 | CHF 577 | +5.3% |
| vita surselva | CHF 545 | +5.6% |
| Aquilana | CHF 556 | +6.0% |
| ÖKK | CHF 533 | +6.2% |
| Visana | CHF 606 | +7.8% |
| Avenir | CHF 626 | +9.9% |
| Philos | CHF 672 | +10.1% |
Frequently asked questions
Which health insurer is cheapest in the canton of Appenzell Ausserrhoden in 2027?
For adults with a 2'500 deductible and accident cover, Agrisano (Telmed) is the cheapest at CHF 322.40 per month, across the whole canton. In the standard model with a 300 deductible it is Agrisano at CHF 501.00.
How much are health insurance premiums rising in 2027 in the canton of Appenzell Ausserrhoden?
The standard premium for adults with a 300 deductible rises by +3.6% on average in the canton of Appenzell Ausserrhoden, weighted by each insurer’s number of insured persons. Across Switzerland, the average premium rises by 5.0% according to the FOPH.
When is the deadline to switch health insurer for 2027?
Your cancellation of basic insurance must reach your insurer by 30 November 2026. The new insurer must accept you without health questions, and the switch takes effect on 1 January 2027.
Source: Federal Office of Public Health (FOPH), premiums 2027 and 2026 (opendata.swiss). No liability for accuracy. How we calculate: methodology. All cantons: overview.