Key points at a glance
This page is written for residents of Romoos, in the canton of Lucerne, 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 Romoos, 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 (Romoos belongs to region 2 in the canton of Lucerne) — your state of health is irrelevant, because basic insurance carries an obligation to accept every applicant. Romoos has roughly 666 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Romoos, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Doppleschwand (2 km), Entlebuch (3 km), Hasle (4 km).
Romoos at a glance: your local context
Romoos, a municipality of roughly 666 residents in the canton of Lucerne, has its own profile when it comes to health insurance. For health insurance premiums, Romoos 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 666
- Canton: Lucerne
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 6113
- Federal municipality number (BFS): 1007
Applying for premium subsidies around Romoos: compare neighbouring municipalities
Around Romoos, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Applying for premium subsidies in Doppleschwand — 2.3 km away
- Applying for premium subsidies in Entlebuch — 3.4 km away
- Applying for premium subsidies in Hasle — 3.9 km away
- Applying for premium subsidies in Wolhusen — 6.8 km away
- Applying for premium subsidies in Schüpfheim — 6.8 km away
- Applying for premium subsidies in Werthenstein — 7.6 km away
- Applying for premium subsidies in Menznau — 8.1 km away
- Applying for premium subsidies in Hergiswil bei Willisau — 9.8 km away
- Applying for premium subsidies in Luthern — 10.0 km away
- Applying for premium subsidies in Ruswil — 11.1 km away
Health insurance premiums 2026 in Romoos: the real numbers
In Romoos, 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 Romoos from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Basic insurance in Romoos: choosing insurer, deductible and model
Three decisions drive your premium in Romoos. 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 Romoos 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 Romoos
- 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 Romoos →
How we work for Romoos
Our method has three steps: (1) we start from your real profile (age, deductible, model, accident cover); (2) we rank the insurers in your FOPH premium region for 2026 from cheapest to most expensive; (3) we check your entitlement to premium subsidies in the canton of Lucerne. Nothing changes in your benefits — basic insurance is identical everywhere — you simply stop overpaying for the same cover. In Romoos 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. Compare every autumn before the 30 November cancellation deadline. The comparison is free and without obligation.
FAQ — insurance in Romoos (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Romoos?
In Romoos (postal code 6113), 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 Romoos have the same premiums?
Not necessarily. Romoos and nearby municipalities such as Doppleschwand (2 km), Entlebuch (3 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 Romoos?
No, it is for orientation in Romoos. 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 Romoos with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Romoos follow. The comparison is free, and no offer is binding.
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.