Key points at a glance
Living in Stein (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 Stein 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 (Stein 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. Stein has roughly 1’429 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Stein, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Hundwil (2 km), Teufen (4 km), Schlatt-Haslen (4 km).
Stein at a glance: your local context
Stein, a municipality of roughly 1’429 residents in the canton of Appenzell Ausserrhoden, has its own profile when it comes to health insurance. Stein 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 1’429
- Canton: Appenzell Ausserrhoden
- Basic-insurance premium region (FOPH/OFSP): region 0
- Postal code (NPA): 9063
- Federal municipality number (BFS): 3005
Applying for premium subsidies around Stein: compare neighbouring municipalities
Living or working near Stein? 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 Hundwil — 2.1 km away
- Applying for premium subsidies in Teufen — 3.9 km away
- Applying for premium subsidies in Schlatt-Haslen — 4.3 km away
- Applying for premium subsidies in Waldstatt — 4.8 km away
- Applying for premium subsidies in Gonten — 5.0 km away
- Applying for premium subsidies in Herisau — 5.1 km away
- Applying for premium subsidies in Bühler — 5.8 km away
- Applying for premium subsidies in Saint-Gall — 6.1 km away
- Applying for premium subsidies in Gaiserwald — 6.5 km away
- Applying for premium subsidies in Appenzell — 7.0 km away
Health insurance premiums 2026 in Stein: the real numbers
In Stein, 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 Stein from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Basic insurance in Stein: choosing insurer, deductible and model
You steer your premium in Stein 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 Stein 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 Stein
- 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 Stein →
How we work for Stein
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 Stein 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 Stein (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Stein?
In Stein (postal code 9063), 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 Stein have the same premiums?
Not necessarily. Stein and nearby municipalities such as Hundwil (2 km), Teufen (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 Stein?
No, it is for orientation in Stein. 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 Stein with no obligation?
Of course. The starting point is your situation in Stein; 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?
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.