Key points at a glance
Living in Horw (canton of Lucerne) 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 Horw 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 Lucerne), never on your health: for basic insurance, every insurer must accept you. Horw has roughly 14’243 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Horw, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Kriens (3 km), Hergiswil (4 km), Lucerne (4 km).
Horw at a glance: your local context
Horw, a municipality of roughly 14’243 residents in the canton of Lucerne, has its own profile when it comes to health insurance. For health insurance premiums, Horw belongs to FOPH premium region 2 of the canton of Lucerne. 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 14’243
- Canton: Lucerne
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 6048
- Federal municipality number (BFS): 1058
Health insurance and supplementary cover around Horw: compare neighbouring municipalities
Living or working near Horw? 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 Kriens — 3.1 km away
- Health insurance and supplementary cover in Hergiswil — 3.6 km away
- Health insurance and supplementary cover in Lucerne — 4.0 km away
- Health insurance and supplementary cover in Stansstad — 4.5 km away
- Health insurance and supplementary cover in Meggen — 5.8 km away
- Health insurance and supplementary cover in Emmen — 6.8 km away
- Health insurance and supplementary cover in Ennetmoos — 6.9 km away
- Health insurance and supplementary cover in Adligenswil — 7.3 km away
- Health insurance and supplementary cover in Stans — 7.6 km away
- Health insurance and supplementary cover in Ebikon — 7.9 km away
Health insurance premiums 2026 in Horw: the real numbers
Concretely for Horw: the 2026 adult premium (deductible 300 CHF) is between 426 and 602 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 2’118 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) | 426 – 602 CHF | from 312 CHF |
| Young adults (19–25) | 311 – 442 CHF | from 194 CHF |
| Children (0–18) | 31 – 124 CHF | — |
That is exactly what our comparison does: it ranks the 79 insurers active in Horw from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Basic insurance in Horw: choosing insurer, deductible and model
You steer your premium in Horw 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 Horw starts as low as 312 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 Lucerne: the entitlement goes surprisingly often unclaimed.
Checklist for Horw
- 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 Lucerne.
Free premium comparison for Horw →
How we work for Horw
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 Lucerne. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Horw this difference is measurable: 426–602 francs a month for adults, i.e. up to 2’118 francs a year across 79 insurers — for identical cover. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Horw (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Horw?
In Horw (postal code 6048), the 2026 adult basic-insurance premium ranges from 426 to 602 francs a month depending on the insurer (deductible 300), from 311 francs for young adults and from 31 francs for children. For identical cover, the difference reaches up to 2’118 francs a year (FOPH premium region 2 of the canton of Lucerne). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Horw have the same premiums?
Not necessarily. Horw and nearby municipalities such as Kriens (3 km), Hergiswil (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 Horw?
No. It explains the insurance and tax concepts for residents of Horw (canton of Lucerne). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Health insurance and supplementary cover" in Horw with no obligation?
Of course. The starting point is your situation in Horw; 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
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.