Key points at a glance
Living in Morcote (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 Morcote 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 (Morcote belongs to region 1 in the canton of Ticino) — your state of health is irrelevant, because basic insurance carries an obligation to accept every applicant. Morcote has roughly 755 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Morcote, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Vico Morcote (1 km), Brusino Arsizio (2 km), Melide (4 km).
Morcote at a glance: your local context
Morcote, a municipality of roughly 755 residents in the canton of Ticino, has its own profile when it comes to health insurance. For health insurance premiums, Morcote belongs to FOPH premium region 1 of the canton of Ticino. Two neighbouring municipalities can sit in different premium regions — and therefore pay noticeably different premiums for identical benefits. Always compare for your exact municipality of residence, not a cantonal average.
- Population: roughly 755
- Canton: Ticino
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 6922
- Federal municipality number (BFS): 5203
Applying for premium subsidies around Morcote: compare neighbouring municipalities
Around Morcote, 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 Vico Morcote — 0.9 km away
- Applying for premium subsidies in Brusino Arsizio — 1.8 km away
- Applying for premium subsidies in Melide — 3.8 km away
- Applying for premium subsidies in Bissone — 4.8 km away
- Applying for premium subsidies in Riva San Vitale — 4.8 km away
- Applying for premium subsidies in Grancia — 4.8 km away
- Applying for premium subsidies in Val Mara — 5.3 km away
- Applying for premium subsidies in Caslano — 5.7 km away
- Applying for premium subsidies in Collina d'Oro — 6.5 km away
- Applying for premium subsidies in Magliaso — 7.0 km away
Health insurance premiums 2026 in Morcote: the real numbers
Concretely for Morcote: the 2026 adult premium (deductible 300 CHF) is between 584 and 827 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 2’911 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) | 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 Morcote are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Compare premiums for Morcote →
Basic insurance in Morcote: choosing insurer, deductible and model
You steer your premium in Morcote 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 Morcote starts as low as 474 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 Ticino — many households leave this reduction unused.
Checklist for Morcote
- 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 Morcote →
How we work for Morcote
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 Morcote 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 Morcote (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Morcote?
In Morcote (postal code 6922), 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 (FOPH premium region 1 of the canton of Ticino). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Morcote have the same premiums?
Not necessarily. Morcote and nearby municipalities such as Vico Morcote (1 km), Brusino Arsizio (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 Morcote?
No, it is for orientation in Morcote. 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 Morcote with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Morcote follow. The comparison is free, and no offer is binding.
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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.