Key points at a glance
This page is written for residents of Albula/Alvra, in the canton of Graubünden, 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 Albula/Alvra, the real way to save is choosing the insurer, the deductible and the insurance model — not cutting cover.
Your premium depends on your FOPH/OFSP premium region (region 2 of the canton of Graubünden), never on your health: for basic insurance, every insurer must accept you. Albula/Alvra has roughly 1’310 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Albula/Alvra, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Lantsch/Lenz (2 km), Vaz/Obervaz (6 km), Surses (8 km).
Albula/Alvra at a glance: your local context
Albula/Alvra, a municipality of roughly 1’310 residents in the canton of Graubünden, has its own profile when it comes to health insurance. Albula/Alvra lies in premium region 2 of the canton of Graubünden (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 1’310
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7450
- Federal municipality number (BFS): 3542
Health insurance and supplementary cover around Albula/Alvra: compare neighbouring municipalities
Living or working near Albula/Alvra? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Health insurance and supplementary cover in Lantsch/Lenz — 2.1 km away
- Health insurance and supplementary cover in Vaz/Obervaz — 6.0 km away
- Health insurance and supplementary cover in Surses — 7.8 km away
- Health insurance and supplementary cover in Schmitten — 8.0 km away
- Health insurance and supplementary cover in Rongellen — 10.1 km away
- Health insurance and supplementary cover in Sils im Domleschg — 10.1 km away
- Health insurance and supplementary cover in Scharans — 10.4 km away
- Health insurance and supplementary cover in Thusis — 10.9 km away
- Health insurance and supplementary cover in Zillis-Reischen — 11.2 km away
- Health insurance and supplementary cover in Bergün Filisur — 11.3 km away
Health insurance premiums 2026 in Albula/Alvra: the real numbers
The range in Albula/Alvra is striking: for adults (deductible 300 CHF), the 2026 monthly premium runs from 418 to 614 francs — for basic insurance whose benefits the law fixes identically for every insurer. Comparing therefore saves up to 2’351 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) | 418 – 614 CHF | from 307 CHF |
| Young adults (19–25) | 305 – 503 CHF | from 195 CHF |
| Children (0–18) | 31 – 143 CHF | — |
Our comparison tool does this work for you: the 76 insurers available for Albula/Alvra are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Compare premiums for Albula/Alvra →
Basic insurance in Albula/Alvra: choosing insurer, deductible and model
Three decisions drive your premium in Albula/Alvra. 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 Albula/Alvra starts as low as 307 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 Graubünden — many households leave this reduction unused.
Checklist for Albula/Alvra
- 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 Graubünden.
Free premium comparison for Albula/Alvra →
How we work for Albula/Alvra
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 Graubünden. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Albula/Alvra this difference is measurable: 418–614 francs a month for adults, i.e. up to 2’351 francs a year across 76 insurers — for identical cover. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Albula/Alvra (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Albula/Alvra?
In Albula/Alvra (postal code 7450), the 2026 adult basic-insurance premium ranges from 418 to 614 francs a month depending on the insurer (deductible 300), from 305 francs for young adults and from 31 francs for children. For identical cover, the difference reaches up to 2’351 francs a year (FOPH premium region 2 of the canton of Graubünden). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Albula/Alvra have the same premiums?
Not necessarily. Albula/Alvra and nearby municipalities such as Lantsch/Lenz (2 km), Vaz/Obervaz (6 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 Albula/Alvra?
No. It explains the insurance and tax concepts for residents of Albula/Alvra (canton of Graubünden). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Health insurance and supplementary cover" in Albula/Alvra with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Albula/Alvra follow. The comparison is free, and no offer is binding.
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
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.