Key points at a glance
This page is written for residents of Stans, in the canton of Nidwalden, 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 Stans, 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 — your state of health is irrelevant, because basic insurance carries an obligation to accept every applicant. Stans has roughly 8’508 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Stans, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Oberdorf (1 km), Ennetmoos (2 km), Stansstad (3 km).
Stans at a glance: your local context
Stans, a municipality of roughly 8’508 residents in the canton of Nidwalden, has its own profile when it comes to health insurance. In Stans, the official FOPH premium rates for the canton of Nidwalden apply.
- Population: roughly 8’508
- Canton: Nidwalden
- Federal municipality number (BFS): 1509
Applying for premium subsidies around Stans: compare neighbouring municipalities
Living or working near Stans? 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 Oberdorf — 1.4 km away
- Applying for premium subsidies in Ennetmoos — 2.3 km away
- Applying for premium subsidies in Stansstad — 3.1 km away
- Applying for premium subsidies in Dallenwil — 3.4 km away
- Applying for premium subsidies in Buochs — 4.4 km away
- Applying for premium subsidies in Ennetbürgen — 4.5 km away
- Applying for premium subsidies in Hergiswil — 5.0 km away
- Applying for premium subsidies in Wolfenschiessen — 6.0 km away
- Applying for premium subsidies in Alpnach — 7.4 km away
- Applying for premium subsidies in Horw — 7.6 km away
Health insurance premiums 2026 in Stans: the real numbers
Concretely for Stans: the 2026 adult premium (deductible 300 CHF) is between 385 and 581 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 2’348 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) | 385 – 581 CHF | from 275 CHF |
| Young adults (19–25) | 281 – 430 CHF | from 172 CHF |
| Children (0–18) | 28 – 121 CHF | — |
Our comparison tool does this work for you: the 76 insurers available for Stans are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Basic insurance in Stans: choosing insurer, deductible and model
You steer your premium in Stans 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 Stans starts as low as 275 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 Nidwalden: the entitlement goes surprisingly often unclaimed.
Checklist for Stans
- 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 Nidwalden.
Free premium comparison for Stans →
How we work for Stans
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 Nidwalden. Nothing changes in your benefits — basic insurance is identical everywhere — you simply stop overpaying for the same cover. In Stans this difference is measurable: 385–581 francs a month for adults, i.e. up to 2’348 francs a year across 76 insurers — for identical cover. Compare every autumn before the 30 November cancellation deadline. The comparison is free and without obligation.
FAQ — insurance in Stans (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Stans?
In Stans, the 2026 adult basic-insurance premium ranges from 385 to 581 francs a month depending on the insurer (deductible 300), from 281 francs for young adults and from 28 francs for children. For identical cover, the difference reaches up to 2’348 francs a year. Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Stans have the same premiums?
Not necessarily. Stans and nearby municipalities such as Oberdorf (1 km), Ennetmoos (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 Stans?
No. It explains the insurance and tax concepts for residents of Stans (canton of Nidwalden). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Applying for premium subsidies" in Stans with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Stans 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.