Key points at a glance
This page is written for residents of Schmiedrued, in the canton of Aargau, who want to understand, compare and optimise their health insurance. Basic health insurance (KVG/LAMal) is compulsory, and by law its benefits are identical at every insurer: in Schmiedrued, the real way to save is choosing the insurer, the deductible and the insurance model — not cutting cover.
What sets your premium is your FOPH premium region (Schmiedrued belongs to region 0 in the canton of Aargau) — your state of health is irrelevant, because basic insurance carries an obligation to accept every applicant. Schmiedrued has roughly 1’168 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Schmiedrued, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Gontenschwil (3 km), Schlossrued (3 km), Kirchleerau (4 km).
Schmiedrued at a glance: your local context
Schmiedrued, a municipality of roughly 1’168 residents in the canton of Aargau, has its own profile when it comes to health insurance. For health insurance premiums, Schmiedrued belongs to FOPH premium region 0 of the canton of Aargau. Two neighbouring municipalities can sit in different premium regions — and therefore pay noticeably different premiums for identical benefits. Always compare for your exact municipality of residence, not a cantonal average.
- Population: roughly 1’168
- Canton: Aargau
- Basic-insurance premium region (FOPH/OFSP): region 0
- Postal code (NPA): 5046
- Federal municipality number (BFS): 4143
Applying for premium subsidies around Schmiedrued: compare neighbouring municipalities
Around Schmiedrued, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Applying for premium subsidies in Gontenschwil — 2.8 km away
- Applying for premium subsidies in Schlossrued — 3.4 km away
- Applying for premium subsidies in Kirchleerau — 3.6 km away
- Applying for premium subsidies in Moosleerau — 3.6 km away
- Applying for premium subsidies in Zetzwil — 4.1 km away
- Applying for premium subsidies in Oberkulm — 4.1 km away
- Applying for premium subsidies in Triengen — 4.2 km away
- Applying for premium subsidies in Schlierbach — 4.4 km away
- Applying for premium subsidies in Leimbach — 4.4 km away
- Applying for premium subsidies in Reitnau — 5.3 km away
Health insurance premiums 2026 in Schmiedrued: the real numbers
In Schmiedrued, an adult with a 300 CHF deductible pays between 454 and 622 francs a month for basic insurance depending on the insurer — even though the benefits are, by law, exactly the same everywhere. For identical cover, the gap between the cheapest and the most expensive insurer reaches up to 2’017 francs a year. The lowest adult premium there comes with the "alternative model" model.
| Profile | Deductible 300 CHF | Deductible 2’500 CHF |
|---|---|---|
| Adults (26 and over) | 454 – 622 CHF | from 344 CHF |
| Young adults (19–25) | 331 – 469 CHF | from 213 CHF |
| Children (0–18) | 33 – 137 CHF | — |
That is exactly what our comparison does: it ranks the 84 insurers active in Schmiedrued from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Schmiedrued →
Basic insurance in Schmiedrued: choosing insurer, deductible and model
Three decisions drive your premium in Schmiedrued. First, the insurer: with legally identical benefits, it is the biggest lever for saving. Second, the deductible (300 to 2’500 CHF a year): if you rarely see a doctor and hold a reserve, the high deductible is usually the better deal; with regular treatment, choose the low one. For comparison: with a 2’500 CHF deductible, the adult premium in Schmiedrued starts as low as 344 francs a month. Third, the model: family-doctor, HMO or telemedicine models cut the premium significantly compared with free choice of doctor.
Important for switching: your cancellation of basic insurance must REACH your current insurer by 30 November at the latest (the date of receipt counts, so send it by registered post) for the switch to take effect on 1 January. Also check whether you qualify for premium subsidies in the canton of Aargau — many households leave this reduction unused.
Checklist for Schmiedrued
- Compare every autumn: insurers adjust their rates each year.
- Match the deductible to your own health profile (work out 300 vs. 2’500 CHF).
- Consider an alternative model (family-doctor, HMO, telemedicine) — same basic benefits, lower premium.
- Check your entitlement to premium subsidies in the canton of Aargau.
Free premium comparison for Schmiedrued →
How we work for Schmiedrued
Three steps, one goal: first we capture your specific profile (age, deductible, model, accident); then we sort the insurers in your premium region (FOPH 2026) by rate; finally we check the premium subsidy of the canton of Aargau. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Schmiedrued this difference is measurable: 454–622 francs a month for adults, i.e. up to 2’017 francs a year across 84 insurers — for identical cover. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Schmiedrued (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Schmiedrued?
In Schmiedrued (postal code 5046), the 2026 adult basic-insurance premium ranges from 454 to 622 francs a month depending on the insurer (deductible 300), from 331 francs for young adults and from 33 francs for children. For identical cover, the difference reaches up to 2’017 francs a year (FOPH premium region 0 of the canton of Aargau). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Schmiedrued have the same premiums?
Not necessarily. Schmiedrued and nearby municipalities such as Gontenschwil (3 km), Schlossrued (3 km) can belong to different FOPH premium regions: for identical cover, the premium can vary from one municipality to the next. Always compare for your exact municipality of residence.
Does this page replace personal advice in Schmiedrued?
No, it is for orientation in Schmiedrued. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Aargau.
Can I compare "Applying for premium subsidies" in Schmiedrued with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Schmiedrued follow. The comparison is free, and no offer is binding.
How is the data from the form handled?
Transmission is encrypted and only takes place after your explicit consent. Details on purpose, recipients and storage duration are in our privacy policy.
Important notes
All information is provided without guarantee and may be affected by changes to the law or rates. No figure on this page creates a contractual entitlement: always check the definitive values with your insurer, the FOPH or your canton before you decide.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.