Key points at a glance
Living in Herisau (canton of Appenzell Ausserrhoden) and want to stay on top of your health insurance? Here are the essentials: compulsory basic insurance (LAMal) covers exactly the same benefits at every insurer, so in Herisau you don't save by taking less protection — you save through the right insurer, deductible and model.
Your premium depends on your FOPH/OFSP premium region (region 0 of the canton of Appenzell Ausserrhoden), never on your health: for basic insurance, every insurer must accept you. Herisau has roughly 15’943 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Herisau, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Waldstatt (3 km), Hundwil (4 km), Gossau (4 km).
Herisau at a glance: your local context
Herisau, a municipality of roughly 15’943 residents in the canton of Appenzell Ausserrhoden, has its own profile when it comes to health insurance. For health insurance premiums, Herisau belongs to FOPH premium region 0 of the canton of Appenzell Ausserrhoden. 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 15’943
- Canton: Appenzell Ausserrhoden
- Basic-insurance premium region (FOPH/OFSP): region 0
- Postal code (NPA): 9100
- Federal municipality number (BFS): 3001
Applying for premium subsidies around Herisau: compare neighbouring municipalities
Living or working near Herisau? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Applying for premium subsidies in Waldstatt — 3.1 km away
- Applying for premium subsidies in Hundwil — 3.8 km away
- Applying for premium subsidies in Gossau — 4.1 km away
- Applying for premium subsidies in Schwellbrunn — 4.3 km away
- Applying for premium subsidies in Stein — 5.1 km away
- Applying for premium subsidies in Andwil — 6.2 km away
- Applying for premium subsidies in Gaiserwald — 6.2 km away
- Applying for premium subsidies in Degersheim — 6.3 km away
- Applying for premium subsidies in Flawil — 6.5 km away
- Applying for premium subsidies in Urnäsch — 7.5 km away
Health insurance premiums 2026 in Herisau: the real numbers
In Herisau, an adult with a 300 CHF deductible pays between 412 and 652 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 2’879 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) | 412 – 652 CHF | from 302 CHF |
| Young adults (19–25) | 301 – 499 CHF | from 191 CHF |
| Children (0–18) | 30 – 131 CHF | — |
Our comparison tool does this work for you: the 75 insurers available for Herisau are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Compare premiums for Herisau →
Basic insurance in Herisau: choosing insurer, deductible and model
Three decisions drive your premium in Herisau. 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 Herisau starts as low as 302 francs a month. Third, the model: family-doctor, HMO or telemedicine models cut the premium significantly compared with free choice of doctor.
Mind the deadlines: for a switch on 1 January, the cancellation must have reached the old insurer by 30 November — what counts is receipt, not the postmark. And check the premium subsidy in the canton of Appenzell Ausserrhoden: the entitlement goes surprisingly often unclaimed.
Checklist for Herisau
- 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 Appenzell Ausserrhoden.
Free premium comparison for Herisau →
How we work for Herisau
Our method has three steps: (1) we start from your real profile (age, deductible, model, accident cover); (2) we rank the insurers in your FOPH premium region for 2026 from cheapest to most expensive; (3) we check your entitlement to premium subsidies in the canton of Appenzell Ausserrhoden. Nothing changes in your benefits — basic insurance is identical everywhere — you simply stop overpaying for the same cover. In Herisau this difference is measurable: 412–652 francs a month for adults, i.e. up to 2’879 francs a year across 75 insurers — for identical cover. Compare every autumn before the 30 November cancellation deadline. The comparison is free and without obligation.
FAQ — insurance in Herisau (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Herisau?
In Herisau (postal code 9100), the 2026 adult basic-insurance premium ranges from 412 to 652 francs a month depending on the insurer (deductible 300), from 301 francs for young adults and from 30 francs for children. For identical cover, the difference reaches up to 2’879 francs a year (FOPH premium region 0 of the canton of Appenzell Ausserrhoden). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Herisau have the same premiums?
Not necessarily. Herisau and nearby municipalities such as Waldstatt (3 km), Hundwil (4 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 Herisau?
No, it is for orientation in Herisau. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Appenzell Ausserrhoden.
Can I compare "Applying for premium subsidies" in Herisau with no obligation?
Of course. The starting point is your situation in Herisau; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
How is the data from the form handled?
Your details are transmitted through our secure infrastructure — solely with your explicit consent. The purposes, recipients and retention periods are described in the privacy policy.
Important notes
This local guide for Herisau is for orientation. It replaces neither a personal quote nor the assessment of a regulated professional. The amounts, premiums and deductions mentioned change with your situation, your insurer and the given year.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.