# Your Health Insurance in 2025
**URL:** https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016
**Category:** Banks, Insurances & Third Pillar
**Created:** [September 26, 2024, 3:42pm UTC](https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016 "2024-09-26T15:42:11Z")
**Posts on this page:** 20
**Page:** 1
### Author:  [@DonDraper](https://forum.mustachianpost.com/u/DonDraper)
#### Post date: [September 14, 2024, 6:38am UTC](https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016/1 "2024-09-14T06:38:13Z")
Dear Mustachians
I would like to start looking into heatlh insurance for 2025: I do not find any data in [priminfo](https://www.priminfo.admin.ch/de/praemien) and, interstingly, no “Your Health Insurance in 2025” thread exists yet: am I too early?
Thank you
Don
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### Author:  [@anneaun](https://forum.mustachianpost.com/u/anneaun)
#### Post date: [September 14, 2024, 7:00am UTC](https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016/2 "2024-09-14T07:00:03Z")
Indeed you are, expect the new premiums data to be published on Priminfo the **last Tuesday of September** , after the press conference of Federal Office of Public Health (FOPH).
I will most probably publish the new map (see first post of the thread) on the same day or the day after, depending on if they change the data model.
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### Author:  [@markus654](https://forum.mustachianpost.com/u/markus654)
#### Post date: [September 14, 2024, 7:07am UTC](https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016/3 "2024-09-14T07:07:15Z")
> [@DonDraper](#):
>
> am I too early?
Too early for basic health insurance, too late\* for supplementary insurance.
\*Until the end of September, but as supplementary insurance should only be cancelled if you know that the new insurance company will take you, it is now very tight.
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### Author:  [@DonDraper](https://forum.mustachianpost.com/u/DonDraper)
#### Post date: [September 14, 2024, 9:53am UTC](https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016/4 "2024-09-14T09:53:11Z")
Thank you both, and yes, I am specifically asking about basic insurance.
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### Author:  [@Abs\_max](https://forum.mustachianpost.com/u/Abs_max)
#### Post date: [September 14, 2024, 11:09am UTC](https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016/5 "2024-09-14T11:09:21Z")
If you are talking about basic insurance, just request quotes from three suppliers and compare. I don’t think they would be very different in numbers. Most players have online tools too
Only thing that makes a difference is balance of premium vs deductible & the model (telemedicine, hotline, choice of doctor sets) amongst players. Since basic insurance is regulated , I would be surprised if there is a lot of difference in offerings
All you need to think about is what you care about most and what is just „nice to have“
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### Author:  [@Wolverine](https://forum.mustachianpost.com/u/Wolverine)
#### Post date: [September 14, 2024, 11:15am UTC](https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016/6 "2024-09-14T11:15:04Z")
You would be surprised, then. I’d run a search in Priminfo (the data are still for 2024 so this is just an exercise) and compare the results. Same model, same deductible, very different premium depending on the provider…
> **[Prämienrechner 2025 – Priminfo](https://www.priminfo.admin.ch/de/praemien)**
>
> Offizieller und einziger, vom Bundesamt für Gesundheit (BAG) zur Verfügung gestellter Rechner für die Krankenkassenprämien. Die Berechnung erfolgt anonym, unabhängig und werbefrei.
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### Author:  [@markus654](https://forum.mustachianpost.com/u/markus654)
#### Post date: [September 14, 2024, 12:02pm UTC](https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016/7 "2024-09-14T12:02:29Z")
> [@Abs\_max](#):
>
> If you are talking about basic insurance, just request quotes from three suppliers and compare
Basic insurance all have the same benefits, the same cancellation periods and the same conditions of admission (none, unless you have not paid the bill from your previous insurance). In addition, the prices are public and do not differ (except by franchise and region). The 60-year-old neighbour has the same premiums as the 30-year-old neighbour with the same insurance company. As soon as the government publishes the prices on [Priminfo](https://www.priminfo.admin.ch), simply choose the cheapest health insurance company (There are insurance companies that are administratively bad. For example, they take a long time to reimburse benefits or respond very slowly by e-mail. Google for Reviews. This could be a selection criterion. But the legal benefits are the same. Or there are differences in the invoice, e.g. Sanitas [accepts](https://www.sanitas.com/en/private-customers/services/contact-and-help/information/paying-premiums.html) credit cards).
What I wanted to say was that it makes no sense to ask for quotes for basic insurance.
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### Author:  [@Guillaume\_GVA](https://forum.mustachianpost.com/u/Guillaume_GVA)
#### Post date: [September 16, 2024, 12:41pm UTC](https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016/8 "2024-09-16T12:41:39Z")
Interesting article on one of Comparis business model
> **[New Trouble for Insurance Broker Comparis](https://www.finews.com/news/english-news/64373-comparis-insurance-intermediaries-health-insurance-70-francs-decisis-holding)**
>
> After a lengthy legal battle with the Financial Market Supervisory Authority (Finma), Switzerland’s most prominent insurance broker faces a potential weakening of its business model.
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### Author:  [@anneaun](https://forum.mustachianpost.com/u/anneaun)
#### Post date: [September 24, 2024, 2:47pm UTC](https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016/9 "2024-09-24T14:47:12Z")
> [@anneaun](#):
>
> expect the new premiums data to be published on Priminfo the **last Tuesday of September**
FYI - It will be on Thursday 😉
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### Author:  [@dbu](https://forum.mustachianpost.com/u/dbu)
#### Post date: [September 24, 2024, 8:28pm UTC](https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016/10 "2024-09-24T20:28:58Z")
And expecting at least 5% increase? 😁
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### Author:  [@Tony1337](https://forum.mustachianpost.com/u/Tony1337)
#### Post date: [September 26, 2024, 12:53pm UTC](https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016/12 "2024-09-26T12:53:35Z")
F# me it‘s +15% for me.
That‘s insane….
And if I stayed at my current provider it would be +30%.
Seem like the yearly provider switch will go on.
This can‘t go on like this, there needs to be action.
Jack up the franchises finally. There is no justifiable reason to not at least adjust them to inflation.
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### Author:  [@covfefe](https://forum.mustachianpost.com/u/covfefe)
#### Post date: [September 26, 2024, 2:05pm UTC](https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016/14 "2024-09-26T14:05:52Z")
> [@Tony1337](#):
>
> it‘s +15% for me.
Same for me if I move to Agrisano AgriSMART model - which is app based first contact with MedGate(?)
Anyone has experience with these “SmartMed” models? I’ve used TelMed (CSS/Sympany) models before and am reasonably satisfied with calling in to talk to (MedGate staff?).
Anyone has experience with these “SmartMed” models?
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### Author:  [@Abs\_max](https://forum.mustachianpost.com/u/Abs_max)
#### Post date: [September 26, 2024, 2:19pm UTC](https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016/15 "2024-09-26T14:19:03Z")
Is it because you had a good deal already? Just looks a bit too high an increase
Are we really comparing apples to apples?
If I check correctly, it appears Sanitas is only going up by 5%
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### Author:  [@assemblyrequired](https://forum.mustachianpost.com/u/assemblyrequired)
#### Post date: [September 26, 2024, 2:35pm UTC](https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016/16 "2024-09-26T14:35:15Z")
> [@Tony1337](#):
>
> F# me it‘s +15% for me.
Jesus… it’s 6% for me…
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### Author:  [@dbu](https://forum.mustachianpost.com/u/dbu)
#### Post date: [September 26, 2024, 2:59pm UTC](https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016/17 "2024-09-26T14:59:27Z")
“only” 11.4% on my end (KPT win.win)…
I could somewhat understand the increases during past 2 years (inflation and all)…
But wtf for this year?
* * *
Anybody has experiences wit Assura Qualimed? (Not sure if we have a “review” thread of a kind somewhere)
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### Author:  [@Abs\_max](https://forum.mustachianpost.com/u/Abs_max)
#### Post date: [September 26, 2024, 3:07pm UTC](https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016/18 "2024-09-26T15:07:16Z")
I read somewhere that certain things were added to the scope of basic insurance this year. So maybe that’s what is driving the costs up.
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### Author:  [@asinivali](https://forum.mustachianpost.com/u/asinivali)
#### Post date: [September 26, 2024, 3:18pm UTC](https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016/19 "2024-09-26T15:18:42Z")
I noticed that the premium calculator on priminfo.admin.ch isn’t 100% accurate for all the plans, so it’s probably worth clicking through to each provider to double check what the actual cheapest offers are.
For example, if I click through to Sanitas website from there, it shows me the cheapest CompactOne plan as around 50chf cheaper per month than the Priminfo calculator. Helsana plans are around 25chf cheaper on Helsana website than shown on Priminfo
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### Author:  [@Tony1337](https://forum.mustachianpost.com/u/Tony1337)
#### Post date: [September 26, 2024, 3:21pm UTC](https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016/20 "2024-09-26T15:21:33Z")
> [@Abs\_max](#):
>
> Is it because you had a good deal already? Just looks a bit too high an increase
>
> Are we really comparing apples to apples?
> If I check correctly, it appears Sanitas is only going up by 5%
Deal is pretty ok currently and stays okay-ish.
It‘s the rate that is majorly concerning. Last year, I paid about 8% more (and only by also switching, otherwise would have been 15%)
Together with this year‘s 15%, it‘s ~25% or 1/4 more than two years ago.
That rate is just insane.
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### Author:  [@Tony1337](https://forum.mustachianpost.com/u/Tony1337)
#### Post date: [September 26, 2024, 3:22pm UTC](https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016/22 "2024-09-26T15:22:43Z")
Big chance that this is still showing 2024 rates on the provider website.
Mine has not ipdated to 2025 prices yet for example.
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### Author:  [@REandSTOCK](https://forum.mustachianpost.com/u/REandSTOCK)
#### Post date: [September 26, 2024, 3:27pm UTC](https://forum.mustachianpost.com/t/your-health-insurance-in-2025/14016/23 "2024-09-26T15:27:45Z")
+6.35% for me. Still the cheapest apparently
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