Key points at a glance
This page is written for residents of Quarten, 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 Quarten, 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 (Quarten belongs to region 1 in the canton of St. Gallen) — your state of health is irrelevant, because basic insurance carries an obligation to accept every applicant. Quarten has roughly 2’937 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Quarten, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Walenstadt (7 km), Flums (8 km), Amden (9 km).
Quarten at a glance: your local context
Quarten, a municipality of roughly 2’937 residents in the canton of St. Gallen, has its own profile when it comes to health insurance. Quarten 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 2’937
- Canton: St. Gallen
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 8883
- Federal municipality number (BFS): 3295
Health insurance and supplementary cover around Quarten: compare neighbouring municipalities
Living or working near Quarten? 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 Walenstadt — 6.7 km away
- Health insurance and supplementary cover in Flums — 8.4 km away
- Health insurance and supplementary cover in Amden — 8.9 km away
- Health insurance and supplementary cover in Wildhaus-Alt Sankt Johann — 10.0 km away
- Health insurance and supplementary cover in Weesen — 11.6 km away
- Health insurance and supplementary cover in Glaris Nord — 12.9 km away
- Health insurance and supplementary cover in Nesslau — 14.5 km away
- Health insurance and supplementary cover in Glaris — 14.7 km away
- Health insurance and supplementary cover in Mels — 15.0 km away
- Health insurance and supplementary cover in Schänis — 15.6 km away
Health insurance premiums 2026 in Quarten: the real numbers
The range in Quarten is striking: for adults (deductible 300 CHF), the 2026 monthly premium runs from 480 to 666 francs — for basic insurance whose benefits the law fixes identically for every insurer. Comparing therefore saves up to 2’235 francs a year, without giving anything up. 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 | — |
Our comparison tool does this work for you: the 79 insurers available for Quarten are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Compare premiums for Quarten →
Basic insurance in Quarten: choosing insurer, deductible and model
You steer your premium in Quarten 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 Quarten starts as low as 351 francs a month. Finally the insurance model: family-doctor, HMO or telemedicine are noticeably cheaper than free choice of doctor.
Important for switching: your cancellation of basic insurance must REACH your current insurer by 30 November at the latest (the date of receipt counts, so send it by registered post) for the switch to take effect on 1 January. Also check whether you qualify for premium subsidies in the canton of St. Gallen — many households leave this reduction unused.
Checklist for Quarten
- 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 Quarten →
How we work for Quarten
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 Quarten 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 Quarten (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Quarten?
In Quarten (postal code 8883), 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 Quarten have the same premiums?
Not necessarily. Quarten and nearby municipalities such as Walenstadt (7 km), Flums (8 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 Quarten?
No, it is for orientation in Quarten. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of St. Gallen.
Can I compare "Health insurance and supplementary cover" in Quarten with no obligation?
Of course. The starting point is your situation in Quarten; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
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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.