Key points at a glance
This page is written for residents of Ferrera, 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 Ferrera, the real way to save is choosing the insurer, the deductible and the insurance model — not cutting cover.
What sets your premium is your FOPH premium region (Ferrera belongs to region 2 in the canton of Graubünden) — your state of health is irrelevant, because basic insurance carries an obligation to accept every applicant. Ferrera has roughly 75 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Ferrera, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Sufers (6 km), Andeer (6 km), Muntogna da Schons (9 km).
Ferrera at a glance: your local context
Ferrera, a municipality of roughly 75 residents in the canton of Graubünden, has its own profile when it comes to health insurance. For health insurance premiums, Ferrera belongs to FOPH premium region 2 of the canton of Graubünden. 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 75
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7444
- Federal municipality number (BFS): 3713
Health insurance and supplementary cover around Ferrera: compare neighbouring municipalities
Living or working near Ferrera? 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 Sufers — 5.6 km away
- Health insurance and supplementary cover in Andeer — 5.9 km away
- Health insurance and supplementary cover in Muntogna da Schons — 8.8 km away
- Health insurance and supplementary cover in Zillis-Reischen — 9.2 km away
- Health insurance and supplementary cover in Avers — 10.5 km away
- Health insurance and supplementary cover in Rongellen — 13.8 km away
- Health insurance and supplementary cover in Surses — 13.8 km away
- Health insurance and supplementary cover in Tschappina — 15.3 km away
- Health insurance and supplementary cover in Urmein — 15.3 km away
- Health insurance and supplementary cover in Thusis — 15.4 km away
Health insurance premiums 2026 in Ferrera: the real numbers
In Ferrera, an adult with a 300 CHF deductible pays between 418 and 614 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 2’351 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) | 418 – 614 CHF | from 307 CHF |
| Young adults (19–25) | 305 – 503 CHF | from 195 CHF |
| Children (0–18) | 31 – 143 CHF | — |
That is exactly what our comparison does: it ranks the 76 insurers active in Ferrera from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Ferrera →
Basic insurance in Ferrera: choosing insurer, deductible and model
Three decisions drive your premium in Ferrera. 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 Ferrera 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 Ferrera
- 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 Ferrera →
How we work for Ferrera
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 Ferrera 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 Ferrera (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Ferrera?
In Ferrera (postal code 7444), 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 Ferrera have the same premiums?
Not necessarily. Ferrera and nearby municipalities such as Sufers (6 km), Andeer (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 Ferrera?
No, it is for orientation in Ferrera. 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 Ferrera with no obligation?
Of course. The starting point is your situation in Ferrera; 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
This local guide for Ferrera is for orientation. It replaces neither a personal quote nor the assessment of a regulated professional. The amounts, premiums and deductions mentioned change with your situation, your insurer and the given year.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.