Key points at a glance
Living in Schwellbrunn (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 Schwellbrunn 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. Schwellbrunn has roughly 1’573 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Schwellbrunn, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Waldstatt (3 km), Schönengrund (3 km), Degersheim (4 km).
Schwellbrunn at a glance: your local context
Schwellbrunn, a municipality of roughly 1’573 residents in the canton of Appenzell Ausserrhoden, has its own profile when it comes to health insurance. Schwellbrunn lies in premium region 0 of the canton of Appenzell Ausserrhoden (FOPH classification). Because even the next municipality may belong to a different region, premiums for the same cover can differ significantly — what matters is always the exact municipality, not the cantonal average.
- Population: roughly 1’573
- Canton: Appenzell Ausserrhoden
- Basic-insurance premium region (FOPH/OFSP): region 0
- Postal code (NPA): 9103
- Federal municipality number (BFS): 3004
Health insurance and supplementary cover around Schwellbrunn: compare neighbouring municipalities
Around Schwellbrunn, 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 Waldstatt — 2.8 km away
- Health insurance and supplementary cover in Schönengrund — 3.3 km away
- Health insurance and supplementary cover in Degersheim — 4.0 km away
- Health insurance and supplementary cover in Herisau — 4.3 km away
- Health insurance and supplementary cover in Urnäsch — 4.7 km away
- Health insurance and supplementary cover in Hundwil — 5.5 km away
- Health insurance and supplementary cover in Flawil — 7.0 km away
- Health insurance and supplementary cover in Gossau — 7.1 km away
- Health insurance and supplementary cover in Stein — 7.6 km away
- Health insurance and supplementary cover in Gonten — 7.8 km away
Health insurance premiums 2026 in Schwellbrunn: the real numbers
In Schwellbrunn, 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 | — |
That is exactly what our comparison does: it ranks the 75 insurers active in Schwellbrunn from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Schwellbrunn →
Basic insurance in Schwellbrunn: choosing insurer, deductible and model
You steer your premium in Schwellbrunn with three levers. The insurer first — it costs nothing in benefits and brings the most. Then the deductible between 300 and 2’500 CHF: high deductible for healthy people with a financial cushion, low deductible for ongoing treatment or planned procedures. For comparison: with a 2’500 CHF deductible, the adult premium in Schwellbrunn starts as low as 302 francs a month. Finally the insurance model: family-doctor, HMO or telemedicine are noticeably cheaper than 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 Appenzell Ausserrhoden — many households leave this reduction unused.
Checklist for Schwellbrunn
- 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 Schwellbrunn →
How we work for Schwellbrunn
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 Schwellbrunn 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 Schwellbrunn (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Schwellbrunn?
In Schwellbrunn (postal code 9103), 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 Schwellbrunn have the same premiums?
Not necessarily. Schwellbrunn and nearby municipalities such as Waldstatt (3 km), Schönengrund (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 Schwellbrunn?
No, it is for orientation in Schwellbrunn. 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 "Health insurance and supplementary cover" in Schwellbrunn with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Schwellbrunn follow. The comparison is free, and no offer is binding.
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Important notes
Assur-IA's content is maintained carefully, but it can change with legislation, case law and the product range. It constitutes neither a binding offer nor a personal recommendation. Rates, premiums, deductibles and deductions depend on your profile and the reference date.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.