Key points at a glance
This page is written for residents of Arosa, 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 Arosa, 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. Arosa has roughly 3’185 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Arosa, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Tschiertschen-Praden (7 km), Churwalden (11 km), Schmitten (11 km).
Arosa at a glance: your local context
Arosa, a municipality of roughly 3’185 residents in the canton of Graubünden, has its own profile when it comes to health insurance. Arosa 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 3’185
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7050
- Federal municipality number (BFS): 3921
Health insurance and supplementary cover around Arosa: compare neighbouring municipalities
Around Arosa, 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 Tschiertschen-Praden — 7.3 km away
- Health insurance and supplementary cover in Churwalden — 10.6 km away
- Health insurance and supplementary cover in Schmitten — 10.7 km away
- Health insurance and supplementary cover in Davos — 12.3 km away
- Health insurance and supplementary cover in Fideris — 12.3 km away
- Health insurance and supplementary cover in Vaz/Obervaz — 12.6 km away
- Health insurance and supplementary cover in Coire — 14.0 km away
- Health insurance and supplementary cover in Lantsch/Lenz — 14.2 km away
- Health insurance and supplementary cover in Bergün Filisur — 14.9 km away
- Health insurance and supplementary cover in Jenaz — 15.0 km away
Health insurance premiums 2026 in Arosa: the real numbers
Concretely for Arosa: the 2026 adult premium (deductible 300 CHF) is between 418 and 614 francs a month depending on the provider. Because the scope of basic insurance is identical by law, the choice of insurer alone decides up to 2’351 francs of difference 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) | 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 Arosa are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Basic insurance in Arosa: choosing insurer, deductible and model
Three decisions drive your premium in Arosa. 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 Arosa 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 Arosa
- 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 Arosa →
How we work for Arosa
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 Graubünden. Nothing changes in your benefits — basic insurance is identical everywhere — you simply stop overpaying for the same cover. In Arosa 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. Compare every autumn before the 30 November cancellation deadline. The comparison is free and without obligation.
FAQ — insurance in Arosa (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Arosa?
In Arosa (postal code 7050), 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 Arosa have the same premiums?
Not necessarily. Arosa and nearby municipalities such as Tschiertschen-Praden (7 km), Churwalden (11 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 Arosa?
No, it is for orientation in Arosa. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Graubünden.
Can I compare "Health insurance and supplementary cover" in Arosa with no obligation?
Of course. The starting point is your situation in Arosa; 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
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.