Key points at a glance
Living in Schönengrund (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 Schönengrund you don't save by taking less protection — you save through the right insurer, deductible and model.
What sets your premium is your FOPH premium region (Schönengrund belongs to region 0 in the canton of Appenzell Ausserrhoden) — your state of health is irrelevant, because basic insurance carries an obligation to accept every applicant. Schönengrund has roughly 533 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Schönengrund, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Schwellbrunn (3 km), Urnäsch (5 km), Hemberg (5 km).
Schönengrund at a glance: your local context
Schönengrund, a municipality of roughly 533 residents in the canton of Appenzell Ausserrhoden, has its own profile when it comes to health insurance. For health insurance premiums, Schönengrund 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 533
- Canton: Appenzell Ausserrhoden
- Basic-insurance premium region (FOPH/OFSP): region 0
- Postal code (NPA): 9105
- Federal municipality number (BFS): 3003
Health insurance and supplementary cover around Schönengrund: compare neighbouring municipalities
Around Schönengrund, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Health insurance and supplementary cover in Schwellbrunn — 3.3 km away
- Health insurance and supplementary cover in Urnäsch — 4.6 km away
- Health insurance and supplementary cover in Hemberg — 4.8 km away
- Health insurance and supplementary cover in Degersheim — 4.9 km away
- Health insurance and supplementary cover in Waldstatt — 5.6 km away
- Health insurance and supplementary cover in Neckertal — 7.1 km away
- Health insurance and supplementary cover in Herisau — 7.6 km away
- Health insurance and supplementary cover in Hundwil — 8.2 km away
- Health insurance and supplementary cover in Flawil — 9.0 km away
- Health insurance and supplementary cover in Gonten — 9.0 km away
Health insurance premiums 2026 in Schönengrund: the real numbers
The range in Schönengrund is striking: for adults (deductible 300 CHF), the 2026 monthly premium runs from 412 to 652 francs — for basic insurance whose benefits the law fixes identically for every insurer. Comparing therefore saves up to 2’879 francs a year, without giving anything up. 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 Schönengrund are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Compare premiums for Schönengrund →
Basic insurance in Schönengrund: choosing insurer, deductible and model
Three decisions drive your premium in Schönengrund. 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 Schönengrund 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 Schönengrund
- 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 Schönengrund →
How we work for Schönengrund
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 Appenzell Ausserrhoden. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Schönengrund 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. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Schönengrund (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Schönengrund?
In Schönengrund (postal code 9105), 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 Schönengrund have the same premiums?
Not necessarily. Schönengrund and nearby municipalities such as Schwellbrunn (3 km), Urnäsch (5 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 Schönengrund?
No. It explains the insurance and tax concepts for residents of Schönengrund (canton of Appenzell Ausserrhoden). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Health insurance and supplementary cover" in Schönengrund with no obligation?
Of course. The starting point is your situation in Schönengrund; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
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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.