Key points at a glance
Living in Urmein (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 Urmein you don't save by taking less protection — you save through the right insurer, deductible and model.
What sets your premium is your FOPH premium region (Urmein 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. Urmein has roughly 154 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Urmein, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Tschappina (1 km), Flerden (2 km), Masein (2 km).
Urmein at a glance: your local context
Urmein, a municipality of roughly 154 residents in the canton of Graubünden, has its own profile when it comes to health insurance. For health insurance premiums, Urmein 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 154
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7427
- Federal municipality number (BFS): 3670
Applying for premium subsidies around Urmein: compare neighbouring municipalities
Living or working near Urmein? 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 Tschappina — 1.4 km away
- Applying for premium subsidies in Flerden — 1.5 km away
- Applying for premium subsidies in Masein — 2.0 km away
- Applying for premium subsidies in Thusis — 2.4 km away
- Applying for premium subsidies in Rongellen — 3.2 km away
- Applying for premium subsidies in Sils im Domleschg — 4.0 km away
- Applying for premium subsidies in Fürstenau — 4.1 km away
- Applying for premium subsidies in Scharans — 5.6 km away
- Applying for premium subsidies in Cazis — 6.0 km away
- Applying for premium subsidies in Zillis-Reischen — 6.3 km away
Health insurance premiums 2026 in Urmein: the real numbers
Concretely for Urmein: 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 Urmein are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Basic insurance in Urmein: choosing insurer, deductible and model
Three decisions drive your premium in Urmein. 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 Urmein 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.
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 Urmein
- 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 Urmein →
How we work for Urmein
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 Urmein 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 Urmein (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Urmein?
In Urmein (postal code 7427), 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 Urmein have the same premiums?
Not necessarily. Urmein and nearby municipalities such as Tschappina (1 km), Flerden (2 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 Urmein?
No, it is for orientation in Urmein. 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 Urmein with no obligation?
Of course. The starting point is your situation in Urmein; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
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Important notes
This local guide for Urmein 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.