Key points at a glance
Living in Rain (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 Rain 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. Rain has roughly 2’770 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Rain, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Hildisrieden (3 km), Rothenburg (4 km), Römerswil (4 km).
Rain at a glance: your local context
Rain, a municipality of roughly 2’770 residents in the canton of Lucerne, has its own profile when it comes to health insurance. For health insurance premiums, Rain 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 2’770
- Canton: Lucerne
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 6026
- Federal municipality number (BFS): 1037
Applying for premium subsidies around Rain: compare neighbouring municipalities
Living or working near Rain? 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 Hildisrieden — 3.0 km away
- Applying for premium subsidies in Rothenburg — 4.2 km away
- Applying for premium subsidies in Römerswil — 4.4 km away
- Applying for premium subsidies in Hochdorf — 4.6 km away
- Applying for premium subsidies in Eschenbach — 4.7 km away
- Applying for premium subsidies in Sempach — 4.8 km away
- Applying for premium subsidies in Ballwil — 4.9 km away
- Applying for premium subsidies in Neuenkirch — 5.4 km away
- Applying for premium subsidies in Emmen — 6.8 km away
- Applying for premium subsidies in Inwil — 7.0 km away
Health insurance premiums 2026 in Rain: the real numbers
In Rain, an adult with a 300 CHF deductible pays between 426 and 602 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 2’118 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) | 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 Rain from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Basic insurance in Rain: choosing insurer, deductible and model
Three decisions drive your premium in Rain. 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 Rain starts as low as 312 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 Lucerne — many households leave this reduction unused.
Checklist for Rain
- 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 Rain →
How we work for Rain
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 Rain 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 Rain (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Rain?
In Rain (postal code 6026), 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 Rain have the same premiums?
Not necessarily. Rain and nearby municipalities such as Hildisrieden (3 km), Rothenburg (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 Rain?
No, it is for orientation in Rain. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Lucerne.
Can I compare "Applying for premium subsidies" in Rain with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Rain follow. The comparison is free, and no offer is binding.
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.