Health insurance premiums in 2025: 6% more expensive
In 2025, health insurance premiums will rise by an average of 6%. Comparis expert Felix Schneuwly calls for more leeway in alternative insurance models.
26.09.2024
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1. Third major premium increase in a row
Health insurance premiums already rose significantly in 2023 and 2024. This trend is continuing in 2025. On average, premiums will go up 6% next year.
Overview: how health insurance premiums have been changing in Switzerland
Averages based on the whole of Switzerland for an adult.
| Year | Change compared to previous year |
|---|---|
| 2025 | 6% |
| 2024 | 8.7% |
| 2023 | 6.6% |
| 2022 | -1.4% |
| 2021 | 0.5% |
| 2020 | 0.2% |
| 2019 | 1.2% |
| 2018 | 4.9% |
2. Health insurance premiums in 2025: reasons for the increase
Comparis health expert Felix Schneuwly sees three reasons for the sharp increase in premiums: “There’s a need to catch up on politically enforced reserve reductions, plus the increasing consumption of insured medical services and inflation.”
This third consecutive premium shock is putting many policyholders in a difficult financial situation. “This is especially true for families who have not yet received an individual premium reduction,” says Schneuwly. That’s because mortgage rates, rents, energy and food prices have also risen in recent years.
3. Efficiency and quality need to be more worthwhile
In June 2024, the Swiss electorate rejected the “cost brake” initiative. According to Felix Schneuwly, there is still a need for action: efficiency and quality should be more worthwhile than quantity.
“"It’s important that parliament gives health insurers and medical service providers more leeway for alternative insurance models in the Health Insurance Act.”
He calls for more flexibility in alternative insurance models (AIM). These include, for example, voluntary multi-year contracts or independently calculated premiums for AIM products. You can find details of Comparis’ proposals here (not available in English).
Compare and save on your premiums
In the Comparis health insurance comparison tool, you can see an overview of premiums offered by different health insurers.
This article was first published on 27.09.2016
