Swiss residents will pay an average 5% more for compulsory health insurance in 2027, taking the average monthly premium to CHF 412, the Federal Office of Public Health said. The rise follows increases of 4.4% for 2026 and 6% for 2025, meaning average premiums have risen by more than 15% over three years.
The increase reflects rising healthcare costs, which insurers had expected to grow by just over 5% in 2026, rather than a single new policy or IT project. Individual premiums vary substantially by canton, insurer, age group, deductible and insurance model.
For Zurich residents, the canton has separately set aside around CHF 1.4 billion for premium relief in 2027, including about CHF 800 million for individual reductions for people in modest financial circumstances. Eligible residents receive the support as a deduction from their insurance bill; it does not change the published premium itself.
At the same time, Parliament is working on a proposed electronic health dossier, known as the E-GD, to replace the underused electronic patient dossier, or EPD. The federal government’s plan would automatically open a free dossier for everyone resident in Switzerland, while allowing people to opt out. The E-GD would be designed to make relevant health information more widely available to authorised professionals, with the stated aims of improving treatment coordination and patient safety.
The new system is not yet operational and cannot be treated as a solution to next year’s premium increase. The legislation remains under parliamentary consideration; the Federal Office of Public Health says that, if the process proceeds as planned, the system could enter service no earlier than 2030.
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Under the current plan, the federal government would procure the central technical system and take responsibility for areas including data protection, data security and further development. Cantons would pay the ongoing operating costs and ensure a service provider is available in their territory. Parliament’s health committee has proposed one national community as the point of contact for patients and providers, funded and operated by the cantons.
The costs and benefits remain uncertain. The federal government’s 2025 explanatory report estimated the new technical system’s initial investment at a low-to-mid double-digit million-franc amount, while annual operating costs were estimated as 25% to 45% of procurement costs. Those are planning estimates, not a final budget.
The government and parliamentary committee argue that a better-connected health record could reduce duplicate tests and improve the exchange of treatment information. Whether it delivers measurable savings will depend on the final legislation, technical design, uptake by patients and providers, and implementation costs—none of which has been settled.
