Key points at a glance
This page is written for residents of Laax, 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 Laax, 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 (Laax 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. Laax has roughly 1’857 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Laax, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Falera (3 km), Flims (4 km), Sagogn (6 km).
Laax at a glance: your local context
Laax, a municipality of roughly 1’857 residents in the canton of Graubünden, has its own profile when it comes to health insurance. For health insurance premiums, Laax 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 1’857
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7031
- Federal municipality number (BFS): 3575
Health insurance and supplementary cover around Laax: compare neighbouring municipalities
Living or working near Laax? 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 Falera — 2.5 km away
- Health insurance and supplementary cover in Flims — 4.4 km away
- Health insurance and supplementary cover in Sagogn — 6.3 km away
- Health insurance and supplementary cover in Schluein — 7.0 km away
- Health insurance and supplementary cover in Trin — 8.0 km away
- Health insurance and supplementary cover in Ilanz/Glion — 8.1 km away
- Health insurance and supplementary cover in Mundaun — 12.9 km away
- Health insurance and supplementary cover in Bonaduz — 13.5 km away
- Health insurance and supplementary cover in Tamins — 13.7 km away
- Health insurance and supplementary cover in Rhäzüns — 14.0 km away
Health insurance premiums 2026 in Laax: the real numbers
The range in Laax 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 Laax are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Basic insurance in Laax: choosing insurer, deductible and model
You steer your premium in Laax 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 Laax starts as low as 307 francs a month. Finally the insurance model: family-doctor, HMO or telemedicine are noticeably cheaper than free choice of doctor.
Mind the deadlines: for a switch on 1 January, the cancellation must have reached the old insurer by 30 November — what counts is receipt, not the postmark. And check the premium subsidy in the canton of Graubünden: the entitlement goes surprisingly often unclaimed.
Checklist for Laax
- 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 Laax →
How we work for Laax
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 Laax 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 Laax (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Laax?
In Laax (postal code 7031), 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 Laax have the same premiums?
Not necessarily. Laax and nearby municipalities such as Falera (3 km), Flims (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 Laax?
No. It explains the insurance and tax concepts for residents of Laax (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 Laax with no obligation?
Of course. The starting point is your situation in Laax; 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
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.