Key points at a glance
Living in Montcherand (canton of Vaud) 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 Montcherand you don't save by taking less protection — you save through the right insurer, deductible and model.
Your premium depends on your FOPH/OFSP premium region (region 1 of the canton of Vaud), never on your health: for basic insurance, every insurer must accept you. Montcherand has roughly 488 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Montcherand, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Orbe (2 km), Valeyres-sous-Rances (2 km), Agiez (2 km).
Montcherand at a glance: your local context
Montcherand, a municipality of roughly 488 residents in the canton of Vaud, has its own profile when it comes to health insurance. Montcherand lies in premium region 1 of the canton of Vaud (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 488
- Canton: Vaud
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 1354
- Federal municipality number (BFS): 5756
Applying for premium subsidies around Montcherand: compare neighbouring municipalities
Living or working near Montcherand? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Applying for premium subsidies in Orbe — 1.5 km away
- Applying for premium subsidies in Valeyres-sous-Rances — 2.2 km away
- Applying for premium subsidies in Agiez — 2.2 km away
- Applying for premium subsidies in Sergey — 2.3 km away
- Applying for premium subsidies in L'Abergement — 3.1 km away
- Applying for premium subsidies in Rances — 3.7 km away
- Applying for premium subsidies in Arnex-sur-Orbe — 3.7 km away
- Applying for premium subsidies in Les Clées — 3.8 km away
- Applying for premium subsidies in Bofflens — 3.9 km away
- Applying for premium subsidies in Bretonnières — 4.2 km away
Health insurance premiums 2026 in Montcherand: the real numbers
The range in Montcherand is striking: for adults (deductible 300 CHF), the 2026 monthly premium runs from 570 to 764 francs — for basic insurance whose benefits the law fixes identically for every insurer. Comparing therefore saves up to 2’326 francs a year, without giving anything up. 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 Montcherand are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Compare premiums for Montcherand →
Basic insurance in Montcherand: choosing insurer, deductible and model
Three decisions drive your premium in Montcherand. 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 Montcherand 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 Montcherand
- 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 Montcherand →
How we work for Montcherand
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 Vaud. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Montcherand 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. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Montcherand (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Montcherand?
In Montcherand (postal code 1354), 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 Montcherand have the same premiums?
Not necessarily. Montcherand and nearby municipalities such as Orbe (2 km), Valeyres-sous-Rances (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 Montcherand?
No, it is for orientation in Montcherand. 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 "Applying for premium subsidies" in Montcherand with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Montcherand 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.