Key points at a glance
This page is written for residents of Balm bei Günsberg, in the canton of Solothurn, 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 Balm bei Günsberg, 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 Solothurn), never on your health: for basic insurance, every insurer must accept you. Balm bei Günsberg has roughly 204 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Balm bei Günsberg, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Günsberg (1 km), Riedholz (3 km), Kammersrohr (3 km).
Balm bei Günsberg at a glance: your local context
Balm bei Günsberg, a municipality of roughly 204 residents in the canton of Solothurn, has its own profile when it comes to health insurance. Balm bei Günsberg lies in premium region 0 of the canton of Solothurn (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 204
- Canton: Solothurn
- Basic-insurance premium region (FOPH/OFSP): region 0
- Postal code (NPA): 4525
- Federal municipality number (BFS): 2541
Health insurance and supplementary cover around Balm bei Günsberg: compare neighbouring municipalities
Living or working near Balm bei Günsberg? 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 Günsberg — 1.4 km away
- Health insurance and supplementary cover in Riedholz — 2.6 km away
- Health insurance and supplementary cover in Kammersrohr — 2.7 km away
- Health insurance and supplementary cover in Hubersdorf — 2.7 km away
- Health insurance and supplementary cover in Rüttenen — 3.3 km away
- Health insurance and supplementary cover in Flumenthal — 3.5 km away
- Health insurance and supplementary cover in Feldbrunnen-Sankt Niklaus — 3.6 km away
- Health insurance and supplementary cover in Welschenrohr-Gänsbrunnen — 3.9 km away
- Health insurance and supplementary cover in Attiswil — 4.2 km away
- Health insurance and supplementary cover in Luterbach — 4.3 km away
Health insurance premiums 2026 in Balm bei Günsberg: the real numbers
Concretely for Balm bei Günsberg: the 2026 adult premium (deductible 300 CHF) is between 486 and 643 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 1’879 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) | 486 – 643 CHF | from 371 CHF |
| Young adults (19–25) | 345 – 501 CHF | from 227 CHF |
| Children (0–18) | 32 – 148 CHF | — |
Our comparison tool does this work for you: the 82 insurers available for Balm bei Günsberg are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Compare premiums for Balm bei Günsberg →
Basic insurance in Balm bei Günsberg: choosing insurer, deductible and model
Three decisions drive your premium in Balm bei Günsberg. 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 Balm bei Günsberg starts as low as 371 francs a month. Third, the model: family-doctor, HMO or telemedicine models cut the premium significantly compared with 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 Solothurn — many households leave this reduction unused.
Checklist for Balm bei Günsberg
- 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 Solothurn.
Free premium comparison for Balm bei Günsberg →
How we work for Balm bei Günsberg
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 Solothurn. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Balm bei Günsberg this difference is measurable: 486–643 francs a month for adults, i.e. up to 1’879 francs a year across 82 insurers — for identical cover. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Balm bei Günsberg (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Balm bei Günsberg?
In Balm bei Günsberg (postal code 4525), the 2026 adult basic-insurance premium ranges from 486 to 643 francs a month depending on the insurer (deductible 300), from 345 francs for young adults and from 32 francs for children. For identical cover, the difference reaches up to 1’879 francs a year (FOPH premium region 0 of the canton of Solothurn). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Balm bei Günsberg have the same premiums?
Not necessarily. Balm bei Günsberg and nearby municipalities such as Günsberg (1 km), Riedholz (3 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 Balm bei Günsberg?
No, it is for orientation in Balm bei Günsberg. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Solothurn.
Can I compare "Health insurance and supplementary cover" in Balm bei Günsberg with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Balm bei Günsberg follow. The comparison is free, and no offer is binding.
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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 Balm bei Günsberg 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.