Key points at a glance
This page is written for residents of Horgen, in the canton of Zurich, 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 Horgen, 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 (Horgen belongs to region 1 in the canton of Zurich) — your state of health is irrelevant, because basic insurance carries an obligation to accept every applicant. Horgen has roughly 24’549 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Horgen, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Oberrieden (2 km), Meilen (3 km), Thalwil (5 km).
Horgen at a glance: your local context
Horgen, a municipality of roughly 24’549 residents in the canton of Zurich, has its own profile when it comes to health insurance. Horgen lies in premium region 1 of the canton of Zurich (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 24’549
- Canton: Zurich
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 8810
- Federal municipality number (BFS): 295
Applying for premium subsidies around Horgen: compare neighbouring municipalities
Living or working near Horgen? 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 Oberrieden — 2.4 km away
- Applying for premium subsidies in Meilen — 3.5 km away
- Applying for premium subsidies in Thalwil — 4.6 km away
- Applying for premium subsidies in Herrliberg — 4.7 km away
- Applying for premium subsidies in Erlenbach — 4.9 km away
- Applying for premium subsidies in Hausen am Albis — 5.1 km away
- Applying for premium subsidies in Langnau am Albis — 5.3 km away
- Applying for premium subsidies in Uetikon am See — 6.1 km away
- Applying for premium subsidies in Rüschlikon — 6.2 km away
- Applying for premium subsidies in Neuheim — 6.2 km away
Health insurance premiums 2026 in Horgen: the real numbers
Concretely for Horgen: the 2026 adult premium (deductible 300 CHF) is between 518 and 724 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 2’476 francs of difference 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) | 518 – 724 CHF | from 389 CHF |
| Young adults (19–25) | 371 – 591 CHF | from 243 CHF |
| Children (0–18) | 41 – 168 CHF | — |
That is exactly what our comparison does: it ranks the 83 insurers active in Horgen from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Basic insurance in Horgen: choosing insurer, deductible and model
You steer your premium in Horgen 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 Horgen starts as low as 389 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 Zurich — many households leave this reduction unused.
Checklist for Horgen
- 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 Zurich.
Free premium comparison for Horgen →
How we work for Horgen
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 Zurich. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Horgen this difference is measurable: 518–724 francs a month for adults, i.e. up to 2’476 francs a year across 83 insurers — for identical cover. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Horgen (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Horgen?
In Horgen (postal code 8810), the 2026 adult basic-insurance premium ranges from 518 to 724 francs a month depending on the insurer (deductible 300), from 371 francs for young adults and from 41 francs for children. For identical cover, the difference reaches up to 2’476 francs a year (FOPH premium region 1 of the canton of Zurich). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Horgen have the same premiums?
Not necessarily. Horgen and nearby municipalities such as Oberrieden (2 km), Meilen (3 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 Horgen?
No, it is for orientation in Horgen. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Zurich.
Can I compare "Applying for premium subsidies" in Horgen with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Horgen follow. The comparison is free, and no offer is binding.
How is the data from the form handled?
Transmission is encrypted and only takes place after your explicit consent. Details on purpose, recipients and storage duration are in our privacy policy.
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.