Key points at a glance
This page is written for residents of Pfäfers, in the canton of St. Gallen, 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 Pfäfers, 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 1 of the canton of St. Gallen), never on your health: for basic insurance, every insurer must accept you. Pfäfers has roughly 1’564 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Pfäfers, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Bad Ragaz (2 km), Maienfeld (4 km), Jenins (4 km).
Pfäfers at a glance: your local context
Pfäfers, a municipality of roughly 1’564 residents in the canton of St. Gallen, has its own profile when it comes to health insurance. Pfäfers lies in premium region 1 of the canton of St. Gallen (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 1’564
- Canton: St. Gallen
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 7312
- Federal municipality number (BFS): 3294
Health insurance and supplementary cover around Pfäfers: compare neighbouring municipalities
Living or working near Pfäfers? 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 Bad Ragaz — 1.9 km away
- Health insurance and supplementary cover in Maienfeld — 3.6 km away
- Health insurance and supplementary cover in Jenins — 4.2 km away
- Health insurance and supplementary cover in Vilters-Wangs — 5.3 km away
- Health insurance and supplementary cover in Malans — 5.8 km away
- Health insurance and supplementary cover in Landquart — 6.3 km away
- Health insurance and supplementary cover in Untervaz — 6.7 km away
- Health insurance and supplementary cover in Fläsch — 6.8 km away
- Health insurance and supplementary cover in Zizers — 7.2 km away
- Health insurance and supplementary cover in Sargans — 8.5 km away
Health insurance premiums 2026 in Pfäfers: the real numbers
Concretely for Pfäfers: 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 Pfäfers from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Pfäfers →
Basic insurance in Pfäfers: choosing insurer, deductible and model
Three decisions drive your premium in Pfäfers. 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 Pfäfers 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 Pfäfers
- 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 Pfäfers →
How we work for Pfäfers
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 St. Gallen. Nothing changes in your benefits — basic insurance is identical everywhere — you simply stop overpaying for the same cover. In Pfäfers 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. Compare every autumn before the 30 November cancellation deadline. The comparison is free and without obligation.
FAQ — insurance in Pfäfers (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Pfäfers?
In Pfäfers (postal code 7312), 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 Pfäfers have the same premiums?
Not necessarily. Pfäfers and nearby municipalities such as Bad Ragaz (2 km), Maienfeld (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 Pfäfers?
No. It explains the insurance and tax concepts for residents of Pfäfers (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 Pfäfers with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Pfäfers follow. The comparison is free, and no offer is binding.
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Important notes
This local guide for Pfäfers 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.