Comparis forecasts a 3.7% increase in health insurance premiums in 2027

Comparis forecasts a 3.7% increase in basic health insurance premiums in 2027. The estimate points to continued strong growth, but it is lower than the increases recorded in recent years.

According to data cited by the portal, premiums rose by 6.6% in 2023, by 8.7% in 2024 and by 6% in 2025. For the current year, the expected or already announced increase is 4.4%.

Comparis’s forecast also takes international economic trends into account. A deterioration in the global situation could affect the returns on investments made by health insurers. These returns help contain pressure on premiums.

In the latest year under review, capital returns on funds invested by insurers reached 5.4%, or 807 million francs. The average over the past ten years was around 1.6%. According to Comparis, however, a similar result could decline rapidly.

The development of healthcare costs

The estimates are based on data from the KOF Swiss Economic Institute at ETH Zurich. Total healthcare spending in Switzerland rose by 3.7% in 2025. For 2026 and 2027, KOF forecasts increases of 3.6% and 3.5%, respectively.

The costs that determine basic health insurance premiums are growing slightly faster than total healthcare spending. Comparis attributes the difference to the expansion of the range of covered services. Examples include psychological psychotherapy. Weight-loss injections and support for relatives are other examples.

In recent years, hospitals have helped limit the increase in costs by reducing or eliminating deficits. The shift from inpatient to outpatient care has also helped contain costs. The implementation of the initiative on nursing care, however, is expected to increase spending.

For insured people, the forecast brings the issue of premium sustainability back into focus. It remains to be seen how to distribute the burden of rising costs without reducing access to care or shifting the entire burden onto household budgets.