Key points at a glance
This page is written for residents of Cuarnens, in the canton of Vaud, 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 Cuarnens, 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 (Cuarnens belongs to region 1 in the canton of Vaud) — your state of health is irrelevant, because basic insurance carries an obligation to accept every applicant. Cuarnens has roughly 478 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Cuarnens, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Moiry (2 km), L'Isle (2 km), Mont-la-Ville (2 km).
Cuarnens at a glance: your local context
Cuarnens, a municipality of roughly 478 residents in the canton of Vaud, has its own profile when it comes to health insurance. For health insurance premiums, Cuarnens belongs to FOPH premium region 1 of the canton of Vaud. 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 478
- Canton: Vaud
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 1148
- Federal municipality number (BFS): 5479
Health insurance and supplementary cover around Cuarnens: compare neighbouring municipalities
Living or working near Cuarnens? 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 Moiry — 2.2 km away
- Health insurance and supplementary cover in L'Isle — 2.2 km away
- Health insurance and supplementary cover in Mont-la-Ville — 2.3 km away
- Health insurance and supplementary cover in La Chaux (Cossonay) — 3.6 km away
- Health insurance and supplementary cover in La Praz — 3.7 km away
- Health insurance and supplementary cover in Chavannes-le-Veyron — 3.9 km away
- Health insurance and supplementary cover in Mauraz — 3.9 km away
- Health insurance and supplementary cover in Chevilly — 4.2 km away
- Health insurance and supplementary cover in Dizy — 5.1 km away
- Health insurance and supplementary cover in Grancy — 5.2 km away
Health insurance premiums 2026 in Cuarnens: the real numbers
In Cuarnens, an adult with a 300 CHF deductible pays between 570 and 764 francs a month for basic insurance depending on the insurer — even though the benefits are, by law, exactly the same everywhere. For identical cover, the gap between the cheapest and the most expensive insurer reaches up to 2’326 francs a year. The lowest adult premium there comes with the "HMO / network" model.
| Profile | Deductible 300 CHF | Deductible 2’500 CHF |
|---|---|---|
| Adults (26 and over) | 570 – 764 CHF | from 442 CHF |
| Young adults (19–25) | 413 – 648 CHF | from 284 CHF |
| Children (0–18) | 44 – 179 CHF | — |
Our comparison tool does this work for you: the 67 insurers available for Cuarnens are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Compare premiums for Cuarnens →
Basic insurance in Cuarnens: choosing insurer, deductible and model
Three decisions drive your premium in Cuarnens. 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 Cuarnens starts as low as 442 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 Vaud: the entitlement goes surprisingly often unclaimed.
Checklist for Cuarnens
- 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 Vaud.
Free premium comparison for Cuarnens →
How we work for Cuarnens
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 Vaud. Nothing changes in your benefits — basic insurance is identical everywhere — you simply stop overpaying for the same cover. In Cuarnens this difference is measurable: 570–764 francs a month for adults, i.e. up to 2’326 francs a year across 67 insurers — for identical cover. Compare every autumn before the 30 November cancellation deadline. The comparison is free and without obligation.
FAQ — insurance in Cuarnens (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Cuarnens?
In Cuarnens (postal code 1148), the 2026 adult basic-insurance premium ranges from 570 to 764 francs a month depending on the insurer (deductible 300), from 413 francs for young adults and from 44 francs for children. For identical cover, the difference reaches up to 2’326 francs a year (FOPH premium region 1 of the canton of Vaud). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Cuarnens have the same premiums?
Not necessarily. Cuarnens and nearby municipalities such as Moiry (2 km), L'Isle (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 Cuarnens?
No, it is for orientation in Cuarnens. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Vaud.
Can I compare "Health insurance and supplementary cover" in Cuarnens with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Cuarnens follow. The comparison is free, and no offer is binding.
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
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.