Key points at a glance
This page is written for residents of Ogens, 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 Ogens, 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 (Ogens 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. Ogens has roughly 298 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Ogens, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Oppens (1 km), Bioley-Magnoux (2 km), Orzens (3 km).
Ogens at a glance: your local context
Ogens, a municipality of roughly 298 residents in the canton of Vaud, has its own profile when it comes to health insurance. Ogens 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 298
- Canton: Vaud
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 1045
- Federal municipality number (BFS): 5680
Applying for premium subsidies around Ogens: compare neighbouring municipalities
Around Ogens, 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 Oppens — 1.3 km away
- Applying for premium subsidies in Bioley-Magnoux — 1.9 km away
- Applying for premium subsidies in Orzens — 2.5 km away
- Applying for premium subsidies in Bercher — 2.9 km away
- Applying for premium subsidies in Rueyres — 3.1 km away
- Applying for premium subsidies in Boulens — 3.7 km away
- Applying for premium subsidies in Donneloye — 3.7 km away
- Applying for premium subsidies in Pailly — 3.8 km away
- Applying for premium subsidies in Cronay — 3.9 km away
- Applying for premium subsidies in Ursins — 4.2 km away
Health insurance premiums 2026 in Ogens: the real numbers
The range in Ogens 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 | — |
That is exactly what our comparison does: it ranks the 67 insurers active in Ogens from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Basic insurance in Ogens: choosing insurer, deductible and model
Three decisions drive your premium in Ogens. 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 Ogens 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 Ogens
- 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 Ogens →
How we work for Ogens
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 Ogens 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 Ogens (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Ogens?
In Ogens (postal code 1045), 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 Ogens have the same premiums?
Not necessarily. Ogens and nearby municipalities such as Oppens (1 km), Bioley-Magnoux (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 Ogens?
No. It explains the insurance and tax concepts for residents of Ogens (canton of Vaud). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Applying for premium subsidies" in Ogens with no obligation?
Of course. The starting point is your situation in Ogens; 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
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.