Key points at a glance
Living in Muolen (canton of St. Gallen) 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 Muolen 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 1 of the canton of St. Gallen), never on your health: for basic insurance, every insurer must accept you. Muolen has roughly 1’200 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Muolen, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Zihlschlacht-Sitterdorf (4 km), Egnach (4 km), Amriswil (4 km).
Muolen at a glance: your local context
Muolen, a municipality of roughly 1’200 residents in the canton of St. Gallen, has its own profile when it comes to health insurance. For health insurance premiums, Muolen belongs to FOPH premium region 1 of the canton of St. Gallen. 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 1’200
- Canton: St. Gallen
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 9313
- Federal municipality number (BFS): 3202
Health insurance and supplementary cover around Muolen: compare neighbouring municipalities
Living or working near Muolen? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Health insurance and supplementary cover in Zihlschlacht-Sitterdorf — 3.8 km away
- Health insurance and supplementary cover in Egnach — 3.8 km away
- Health insurance and supplementary cover in Amriswil — 3.9 km away
- Health insurance and supplementary cover in Häggenschwil — 4.5 km away
- Health insurance and supplementary cover in Salmsach — 5.3 km away
- Health insurance and supplementary cover in Hefenhofen — 5.4 km away
- Health insurance and supplementary cover in Dozwil — 5.6 km away
- Health insurance and supplementary cover in Romanshorn — 6.0 km away
- Health insurance and supplementary cover in Sommeri — 6.1 km away
- Health insurance and supplementary cover in Waldkirch — 6.1 km away
Health insurance premiums 2026 in Muolen: the real numbers
Concretely for Muolen: the 2026 adult premium (deductible 300 CHF) is between 480 and 666 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 2’235 francs of difference a year. The lowest adult premium there comes with the "family-doctor (Hausarzt)" model.
| Profile | Deductible 300 CHF | Deductible 2’500 CHF |
|---|---|---|
| Adults (26 and over) | 480 – 666 CHF | from 351 CHF |
| Young adults (19–25) | 339 – 543 CHF | from 211 CHF |
| Children (0–18) | 35 – 141 CHF | — |
That is exactly what our comparison does: it ranks the 79 insurers active in Muolen from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Basic insurance in Muolen: choosing insurer, deductible and model
Three decisions drive your premium in Muolen. 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 Muolen starts as low as 351 francs a month. Third, the model: family-doctor, HMO or telemedicine models cut the premium significantly compared with 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 St. Gallen: the entitlement goes surprisingly often unclaimed.
Checklist for Muolen
- 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 St. Gallen.
Free premium comparison for Muolen →
How we work for Muolen
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 St. Gallen. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Muolen this difference is measurable: 480–666 francs a month for adults, i.e. up to 2’235 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 Muolen (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Muolen?
In Muolen (postal code 9313), the 2026 adult basic-insurance premium ranges from 480 to 666 francs a month depending on the insurer (deductible 300), from 339 francs for young adults and from 35 francs for children. For identical cover, the difference reaches up to 2’235 francs a year (FOPH premium region 1 of the canton of St. Gallen). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Muolen have the same premiums?
Not necessarily. Muolen and nearby municipalities such as Zihlschlacht-Sitterdorf (4 km), Egnach (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 Muolen?
No. It explains the insurance and tax concepts for residents of Muolen (canton of St. Gallen). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Health insurance and supplementary cover" in Muolen with no obligation?
Of course. The starting point is your situation in Muolen; 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
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.