Health insurance St. Gallen: the cheapest premiums 2027
The cheapest basic health insurance for adults in the canton of St. Gallen costs CHF 371.70 per month in 2027 (Sanitas, Family doctor, deductible 2'500, in premium region 1). 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 St. Gallen 2027
Adults aged 26 and over, deductible CHF 2'500, with accident cover, in premium region 1. The cheapest tariff of each insurer. The change compares the same tariff with 2026.
| # | Insurer | Premium / month | vs. 2026 |
|---|---|---|---|
| 1 | SanitasFamily doctor · Hausarztmodell 1 | CHF 371.70 | +5.8% |
| 2 | KPTTelmed · KPTwin.smart - Hausarzt mit App | CHF 372.90 | +3.9% |
| 3 | ConcordiaHMO · HMO | CHF 373.00 | +4.1% |
| 4 | ÖKKHMO · ÖKK CASAMED HMO | CHF 374.60 | +2.4% |
| 5 | SwicaAlternative · Favorit Multichoice | CHF 374.70 | +5.7% |
| 6 | HelsanaFamily doctor · Helsana BeneFit PLUS Hausarzt R1 | CHF 377.30 | +6.2% |
| 7 | AtupriTelmed · SmartCare | CHF 378.90 | +5.0% |
| 8 | Vivao SympanyAlternative · flexhelp24 | CHF 386.00 | +9.0% |
| 9 | EGKTelmed · EGK-TelCare | CHF 391.40 | +3.0% |
| 10 | AssuraAlternative · FeminaVita | CHF 393.40 | +8.1% |
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, in premium region 1.
| # | Insurer | Premium / month | vs. 2026 |
|---|---|---|---|
| 1 | Agrisano | CHF 560.50 | +4.5% |
| 2 | Glarner | CHF 560.70 | −3.4% |
| 3 | ÖKK | CHF 562.00 | +1.8% |
| 4 | Sumiswalder | CHF 574.20 | +3.4% |
| 5 | Sanitas | CHF 574.70 | +4.2% |
| 6 | Atupri | CHF 576.40 | +3.1% |
| 7 | Concordia | CHF 586.20 | +3.0% |
| 8 | vita surselva | CHF 588.00 | +1.7% |
| 9 | Helsana | CHF 588.00 | +3.3% |
| 10 | KPT | CHF 594.40 | +3.0% |
Premium regions in the canton of St. Gallen
The canton is divided into 3 premium regions. The tables above apply to premium region 1. In the other regions, the cheapest insurer is:
- premium region 2: Atupri (HMO), CHF 327.90 per month
- premium region 3: Agrisano (Telmed), CHF 311.10 per month
Municipalities in premium region 1 (8)
Gaiserwald, Gossau (SG), Niederbüren, Niederhelfenschwil, Oberbüren, St. Gallen, Wil (SG), Zuzwil (SG)
Municipalities in premium region 2 (44)
Amden, Andwil (SG), Au (SG), Bad Ragaz, Benken (SG), Berg (SG), Buchs (SG), Eggersriet, Eschenbach (SG), Flawil, Flums, Goldach, Gommiswald, Häggenschwil, Jonschwil, Kaltbrunn, Kirchberg (SG), Mels, Muolen, Mörschwil, Oberuzwil, Pfäfers, Quarten, Rapperswil-Jona, Rheineck, Rorschach, Rorschacherberg, Sargans, Schmerikon, Schänis, Sevelen, St. Margrethen, Steinach, Thal, Tübach, Untereggen, Uznach, Uzwil, Vilters-Wangs, Waldkirch, Walenstadt, Wartau, Weesen, Wittenbach
Municipalities in premium region 3 (23)
Altstätten, Balgach, Berneck, Bütschwil-Ganterschwil, Degersheim, Diepoldsau, Ebnat-Kappel, Eichberg, Gams, Grabs, Lichtensteig, Lütisburg, Marbach (SG), Mosnang, Neckertal, Nesslau, Oberriet (SG), Rebstein, Rüthi (SG), Sennwald, Wattwil, Widnau, Wildhaus-Alt St. Johann
Consistently cheap in the canton of St. Gallen
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 |
|---|---|---|
| Concordia | 9.3 | 3 of 8 |
| Sanitas | 8.2 | 6 of 8 |
| KPT | 8.2 | 2 of 8 |
| Vivao Sympany | 7.8 | 7 of 8 |
| ÖKK | 7.7 | 1 of 8 |
Concordia is the most price-consistent health insurer in the canton of St. Gallen in 2027.
Cheapest last year, and now?
The cheapest tariff of 2026 in each premium region of the canton and what the same tariff costs in 2027. Adults, deductible 2'500, without accident cover, per month. If you switched to the cheapest insurer last year, compare again this year.
| Region | Cheapest 2026 | 2026 | 2027 | Change | Rank 2027 |
|---|---|---|---|---|---|
| Region 1 | Vivao SympanyHMO · casamed hmo | CHF 326.90 | CHF 359.00 | +9.8%Market +5.9% | 7 of 25 |
| Region 2 | AgrisanoTelmed · AGRIsmart | CHF 293.80 | CHF 313.60 | +6.7%Market +6.0% | 3 of 25 |
| Region 3 | AgrisanoTelmed · AGRIsmart | CHF 276.70 | CHF 295.50 | +6.8%Market +6.2% | 1 of 25 |
How much each insurer raises premiums in the canton of St. Gallen
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: +4.3%.
| Insurer | Ø Standard 2027 | vs. 2026 |
|---|---|---|
| Glarner | CHF 528 | −3.1% |
| SLKK | CHF 613 | −0.6% |
| Helsana | CHF 550 | +0.5% |
| Mutuel | CHF 568 | +0.6% |
| Einsiedler Krankenkasse | CHF 563 | +1.3% |
| ÖKK | CHF 535 | +1.8% |
| vita surselva | CHF 544 | +2.0% |
| Concordia | CHF 554 | +2.7% |
| Swica | CHF 557 | +2.9% |
| Atupri | CHF 545 | +3.3% |
| KPT | CHF 556 | +3.5% |
| Sumiswalder | CHF 540 | +3.6% |
| rhenusana | CHF 567 | +3.7% |
| EGK | CHF 560 | +4.1% |
| Sanitas | CHF 557 | +4.2% |
| Galenos | CHF 574 | +4.4% |
| Agrisano | CHF 519 | +4.5% |
| Aquilana | CHF 565 | +5.5% |
| sana24 | CHF 575 | +5.6% |
| Assura | CHF 590 | +6.0% |
| Avenir | CHF 592 | +6.6% |
| Visana | CHF 659 | +7.5% |
| CSS | CHF 581 | +7.7% |
| Vivao Sympany | CHF 594 | +8.2% |
| Philos | CHF 684 | +9.7% |
Frequently asked questions
Which health insurer is cheapest in the canton of St. Gallen in 2027?
For adults with a 2'500 deductible and accident cover, Sanitas (Family doctor) is the cheapest at CHF 371.70 per month, in premium region 1. In the standard model with a 300 deductible it is Agrisano at CHF 560.50.
How much are health insurance premiums rising in 2027 in the canton of St. Gallen?
The standard premium for adults with a 300 deductible rises by +4.3% on average in the canton of St. Gallen, 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.