Key points at a glance
Living in Lema (canton of Ticino) 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 Lema you don't save by taking less protection — you save through the right insurer, deductible and model.
What sets your premium is your FOPH premium region — your state of health is irrelevant, because basic insurance carries an obligation to accept every applicant. Further down are the actual 2026 premiums for Lema, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Aranno (1 km), Vernate (2 km), Cademario (3 km).
Lema at a glance: your local context
Lema in the canton of Ticino, has its own profile when it comes to health insurance. In Lema, the official FOPH premium rates for the canton of Ticino apply.
- Canton: Ticino
- Federal municipality number (BFS): 5395
Applying for premium subsidies around Lema: compare neighbouring municipalities
Around Lema, 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 Aranno — 0.9 km away
- Applying for premium subsidies in Vernate — 2.1 km away
- Applying for premium subsidies in Cademario — 2.9 km away
- Applying for premium subsidies in Pura — 3.0 km away
- Applying for premium subsidies in Alto Malcantone — 3.2 km away
- Applying for premium subsidies in Agno — 3.3 km away
- Applying for premium subsidies in Magliaso — 3.5 km away
- Applying for premium subsidies in Neggio — 3.5 km away
- Applying for premium subsidies in Tresa — 3.5 km away
- Applying for premium subsidies in Bioggio — 3.7 km away
Health insurance premiums 2026 in Lema: the real numbers
The range in Lema is striking: for adults (deductible 300 CHF), the 2026 monthly premium runs from 584 to 827 francs — for basic insurance whose benefits the law fixes identically for every insurer. Comparing therefore saves up to 2’911 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) | 584 – 827 CHF | from 474 CHF |
| Young adults (19–25) | 426 – 639 CHF | from 307 CHF |
| Children (0–18) | 43 – 180 CHF | — |
Our comparison tool does this work for you: the 67 insurers available for Lema are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Basic insurance in Lema: choosing insurer, deductible and model
Three decisions drive your premium in Lema. 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 Lema starts as low as 474 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 Ticino: the entitlement goes surprisingly often unclaimed.
Checklist for Lema
- 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 Ticino.
Free premium comparison for Lema →
How we work for Lema
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 Ticino. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Lema this difference is measurable: 584–827 francs a month for adults, i.e. up to 2’911 francs a year across 67 insurers — for identical cover. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Lema (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Lema?
In Lema, the 2026 adult basic-insurance premium ranges from 584 to 827 francs a month depending on the insurer (deductible 300), from 426 francs for young adults and from 43 francs for children. For identical cover, the difference reaches up to 2’911 francs a year. Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Lema have the same premiums?
Not necessarily. Lema and nearby municipalities such as Aranno (1 km), Vernate (2 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 Lema?
No, it is for orientation in Lema. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Ticino.
Can I compare "Applying for premium subsidies" in Lema with no obligation?
Of course. The starting point is your situation in Lema; 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
This local guide for Lema 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.