Key points at a glance
This page is written for residents of Bargen, in the canton of Schaffhausen, 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 Bargen, 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 2 of the canton of Schaffhausen), never on your health: for basic insurance, every insurer must accept you. Bargen has roughly 313 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Bargen, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Merishausen (4 km), Beggingen (5 km), Büttenhardt (6 km).
Bargen at a glance: your local context
Bargen, a municipality of roughly 313 residents in the canton of Schaffhausen, has its own profile when it comes to health insurance. Bargen lies in premium region 2 of the canton of Schaffhausen (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 313
- Canton: Schaffhausen
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 8233
- Federal municipality number (BFS): 2931
Applying for premium subsidies around Bargen: compare neighbouring municipalities
Around Bargen, 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 Merishausen — 3.9 km away
- Applying for premium subsidies in Beggingen — 5.3 km away
- Applying for premium subsidies in Büttenhardt — 5.9 km away
- Applying for premium subsidies in Lohn — 7.4 km away
- Applying for premium subsidies in Stetten — 8.0 km away
- Applying for premium subsidies in Thayngen — 8.3 km away
- Applying for premium subsidies in Schleitheim — 9.4 km away
- Applying for premium subsidies in Siblingen — 10.3 km away
- Applying for premium subsidies in Löhningen — 10.6 km away
- Applying for premium subsidies in Beringen — 10.9 km away
Health insurance premiums 2026 in Bargen: the real numbers
The range in Bargen is striking: for adults (deductible 300 CHF), the 2026 monthly premium runs from 434 to 611 francs — for basic insurance whose benefits the law fixes identically for every insurer. Comparing therefore saves up to 2’128 francs a year, without giving anything up. The lowest adult premium there comes with the "alternative model" model.
| Profile | Deductible 300 CHF | Deductible 2’500 CHF |
|---|---|---|
| Adults (26 and over) | 434 – 611 CHF | from 323 CHF |
| Young adults (19–25) | 317 – 471 CHF | from 206 CHF |
| Children (0–18) | 30 – 134 CHF | — |
That is exactly what our comparison does: it ranks the 75 insurers active in Bargen from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Basic insurance in Bargen: choosing insurer, deductible and model
Three decisions drive your premium in Bargen. 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 Bargen starts as low as 323 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 Schaffhausen: the entitlement goes surprisingly often unclaimed.
Checklist for Bargen
- 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 Schaffhausen.
Free premium comparison for Bargen →
How we work for Bargen
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 Schaffhausen. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Bargen this difference is measurable: 434–611 francs a month for adults, i.e. up to 2’128 francs a year across 75 insurers — for identical cover. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Bargen (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Bargen?
In Bargen (postal code 8233), the 2026 adult basic-insurance premium ranges from 434 to 611 francs a month depending on the insurer (deductible 300), from 317 francs for young adults and from 30 francs for children. For identical cover, the difference reaches up to 2’128 francs a year (FOPH premium region 2 of the canton of Schaffhausen). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Bargen have the same premiums?
Not necessarily. Bargen and nearby municipalities such as Merishausen (4 km), Beggingen (5 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 Bargen?
No, it is for orientation in Bargen. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Schaffhausen.
Can I compare "Applying for premium subsidies" in Bargen with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Bargen follow. The comparison is free, and no offer is binding.
How is the data from the form handled?
Transmission is encrypted and only takes place after your explicit consent. Details on purpose, recipients and storage duration are in our 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.