Subsidy guide

Health insurance premium subsidies in Switzerland

Health insurance premium subsidies reduce the pressure of LAMal premiums for households whose budget is tight. The practical rules depend on the canton, income, wealth, household structure and sometimes the premium region.

This page is the main entry point. It explains the overall logic, gives access to the 7 cantons we model in detail, and makes clear that we can also support the other cantons even when no public estimate is shown yet.

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Key takeaways

Cantonal rules first

There is no single Swiss-wide scale. Each canton applies its own framework.

Income is only one part

Wealth, children, household structure and sometimes premium region also matter.

Other cantons are supported too

Even outside the 7 detailed guides, we can still help orient and prepare the request.

Cantonal guides

Our 7 cantonal subsidy guides

Pick your canton to review the main criteria and the structure of the scale we currently model. We also support the other cantons, even when no public estimate is shown here yet.

Vaud

View guide

Genève

View guide

Berne

View guide

Fribourg

View guide

Neuchâtel

View guide

Valais

View guide

Jura

View guide

Why cantonal reading matters

Entitlement to premium subsidies almost always depends on a mix of income, wealth, household composition and the reference canton. In some cantons, the premium region or training status of a young adult also changes the reading.

We currently publish detailed indicative guides for Vaud, Geneva, Bern, Fribourg, Neuchatel, Valais and Jura. For other cantons, we can still support the request even without a public calculator on the site.

  • 7 detailed cantonal guides available
  • Support remains possible for all other cantons
  • The public estimate stays cantonal by design

Related pages

Health insurance premium subsidy in Vaud

Overview of the OVAM 2026 logic in Vaud: household income, wealth and dependants.

Health insurance premium subsidy in Geneva

Overview of Geneva's logic: unified determining income, legal charges and category-based amounts.

Health insurance premium subsidy in Bern

Overview of Bern's subsidy logic: corrected determining income, wealth and premium regions.

Articles to read

Health insurance subsidy in Valais: complete guide for 2025

Eligibility, paperwork, documents and deadlines: a practical guide to understanding and obtaining a LAMal subsidy in the canton of Valais.

Frequently asked questions

The essential answers before comparing or requesting support.

Are premium subsidies the same everywhere in Switzerland?+
No. Each canton applies its own thresholds, criteria and sometimes its own premium regions.
Why do you ask for wealth and not only income?+
Because several cantons include wealth in the reading of the file or in the calculation itself.
What if my canton is not one of the 7 detailed guides?+
We can still support you. We simply do not show a public estimate until that cantonal scale has been modelled.

Go further

Continue your research with Le Prix Malin comparison tools and guides

This page helps you understand the topic, then take action with a comparison tool or a more specific guide that fits your needs.

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