Key points at a glance
Living in Schmitten (canton of Graubünden) 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 Schmitten you don't save by taking less protection — you save through the right insurer, deductible and model.
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. Schmitten has roughly 234 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Schmitten, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Bergün Filisur (5 km), Albula/Alvra (8 km), Lantsch/Lenz (8 km).
Schmitten at a glance: your local context
Schmitten, a municipality of roughly 234 residents in the canton of Graubünden, has its own profile when it comes to health insurance. For health insurance premiums, Schmitten 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 234
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7493
- Federal municipality number (BFS): 3514
Applying for premium subsidies around Schmitten: compare neighbouring municipalities
Living or working near Schmitten? 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 Bergün Filisur — 5.3 km away
- Applying for premium subsidies in Albula/Alvra — 8.0 km away
- Applying for premium subsidies in Lantsch/Lenz — 8.1 km away
- Applying for premium subsidies in Vaz/Obervaz — 9.9 km away
- Applying for premium subsidies in Arosa — 10.7 km away
- Applying for premium subsidies in Surses — 11.4 km away
- Applying for premium subsidies in Churwalden — 14.3 km away
- Applying for premium subsidies in Tschiertschen-Praden — 15.4 km away
- Applying for premium subsidies in Scharans — 16.6 km away
- Applying for premium subsidies in Sils im Domleschg — 17.0 km away
Health insurance premiums 2026 in Schmitten: the real numbers
In Schmitten, 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 Schmitten from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Schmitten →
Basic insurance in Schmitten: choosing insurer, deductible and model
Three decisions drive your premium in Schmitten. 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 Schmitten 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 Schmitten
- 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 Schmitten →
How we work for Schmitten
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 Schmitten 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 Schmitten (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Schmitten?
In Schmitten (postal code 7493), 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 Schmitten have the same premiums?
Not necessarily. Schmitten and nearby municipalities such as Bergün Filisur (5 km), Albula/Alvra (8 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 Schmitten?
No, it is for orientation in Schmitten. 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 "Applying for premium subsidies" in Schmitten with no obligation?
Of course. The starting point is your situation in Schmitten; 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
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.