Key points at a glance
Living in Kerns (canton of Obwalden) 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 Kerns 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 (Kerns belongs to region 0 in the canton of Obwalden) — your state of health is irrelevant, because basic insurance carries an obligation to accept every applicant. Kerns has roughly 6’337 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Kerns, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Sarnen (2 km), Alpnach (4 km), Sachseln (5 km).
Kerns at a glance: your local context
Kerns, a municipality of roughly 6’337 residents in the canton of Obwalden, has its own profile when it comes to health insurance. Kerns lies in premium region 0 of the canton of Obwalden (FOPH classification). Because even the next municipality may belong to a different region, premiums for the same cover can differ significantly — what matters is always the exact municipality, not the cantonal average.
- Population: roughly 6’337
- Canton: Obwalden
- Basic-insurance premium region (FOPH/OFSP): region 0
- Postal code (NPA): 6064
- Federal municipality number (BFS): 1404
Health insurance and supplementary cover around Kerns: compare neighbouring municipalities
Around Kerns, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Health insurance and supplementary cover in Sarnen — 2.3 km away
- Health insurance and supplementary cover in Alpnach — 4.2 km away
- Health insurance and supplementary cover in Sachseln — 4.8 km away
- Health insurance and supplementary cover in Ennetmoos — 7.6 km away
- Health insurance and supplementary cover in Wolfenschiessen — 9.2 km away
- Health insurance and supplementary cover in Stans — 9.3 km away
- Health insurance and supplementary cover in Dallenwil — 9.5 km away
- Health insurance and supplementary cover in Hergiswil — 9.5 km away
- Health insurance and supplementary cover in Oberdorf — 9.8 km away
- Health insurance and supplementary cover in Stansstad — 9.9 km away
Health insurance premiums 2026 in Kerns: the real numbers
Concretely for Kerns: the 2026 adult premium (deductible 300 CHF) is between 383 and 574 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 2’293 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) | 383 – 574 CHF | from 272 CHF |
| Young adults (19–25) | 279 – 454 CHF | from 171 CHF |
| Children (0–18) | 27 – 125 CHF | — |
That is exactly what our comparison does: it ranks the 74 insurers active in Kerns from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Basic insurance in Kerns: choosing insurer, deductible and model
You steer your premium in Kerns 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 Kerns starts as low as 272 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 Obwalden: the entitlement goes surprisingly often unclaimed.
Checklist for Kerns
- 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 Obwalden.
Free premium comparison for Kerns →
How we work for Kerns
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 Obwalden. Nothing changes in your benefits — basic insurance is identical everywhere — you simply stop overpaying for the same cover. In Kerns this difference is measurable: 383–574 francs a month for adults, i.e. up to 2’293 francs a year across 74 insurers — for identical cover. Compare every autumn before the 30 November cancellation deadline. The comparison is free and without obligation.
FAQ — insurance in Kerns (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Kerns?
In Kerns (postal code 6064), the 2026 adult basic-insurance premium ranges from 383 to 574 francs a month depending on the insurer (deductible 300), from 279 francs for young adults and from 27 francs for children. For identical cover, the difference reaches up to 2’293 francs a year (FOPH premium region 0 of the canton of Obwalden). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Kerns have the same premiums?
Not necessarily. Kerns and nearby municipalities such as Sarnen (2 km), Alpnach (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 Kerns?
No. It explains the insurance and tax concepts for residents of Kerns (canton of Obwalden). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Health insurance and supplementary cover" in Kerns with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Kerns 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
This local guide for Kerns 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.