Key points at a glance
This page is written for residents of Lungern, in the canton of Obwalden, 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 Lungern, the real way to save is choosing the insurer, the deductible and the insurance model — not cutting cover.
Your premium depends on your FOPH/OFSP premium region (region 0 of the canton of Obwalden), never on your health: for basic insurance, every insurer must accept you. Lungern has roughly 2’119 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Lungern, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Giswil (5 km), Brienzwiler (6 km), Hasliberg (6 km).
Lungern at a glance: your local context
Lungern, a municipality of roughly 2’119 residents in the canton of Obwalden, has its own profile when it comes to health insurance. Lungern 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 2’119
- Canton: Obwalden
- Basic-insurance premium region (FOPH/OFSP): region 0
- Postal code (NPA): 6078
- Federal municipality number (BFS): 1405
Applying for premium subsidies around Lungern: compare neighbouring municipalities
Around Lungern, 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 Giswil — 5.4 km away
- Applying for premium subsidies in Brienzwiler — 5.9 km away
- Applying for premium subsidies in Hasliberg — 6.5 km away
- Applying for premium subsidies in Meiringen — 7.0 km away
- Applying for premium subsidies in Hofstetten bei Brienz — 7.4 km away
- Applying for premium subsidies in Schattenhalb — 8.1 km away
- Applying for premium subsidies in Schwanden bei Brienz — 9.3 km away
- Applying for premium subsidies in Brienz — 10.5 km away
- Applying for premium subsidies in Sachseln — 10.8 km away
- Applying for premium subsidies in Innertkirchen — 11.2 km away
Health insurance premiums 2026 in Lungern: the real numbers
Concretely for Lungern: 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 Lungern from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Lungern →
Basic insurance in Lungern: choosing insurer, deductible and model
You steer your premium in Lungern 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 Lungern 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 Lungern
- 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 Lungern →
How we work for Lungern
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 Lungern 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 Lungern (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Lungern?
In Lungern (postal code 6078), 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 Lungern have the same premiums?
Not necessarily. Lungern and nearby municipalities such as Giswil (5 km), Brienzwiler (6 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 Lungern?
No. It explains the insurance and tax concepts for residents of Lungern (canton of Obwalden). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Applying for premium subsidies" in Lungern with no obligation?
Of course. The starting point is your situation in Lungern; 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?
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 Lungern 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.