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Franchise break-even calculator 2027
Compare health insurance franchises (deductibles) for 2027 and see at which level of medical costs a higher franchise stops paying off. It uses your own 2027 premiums and the 10% co-pay with its annual cap.
Here is the idea with the largest legal discount:
Premium saved with franchise 2,500CHF 1,540 at most (the legal maximum)
Extra paid out of pocketCHF 630
Franchise 2,500 is cheaper by CHF 910 a year.
Break-even: 300 + 1,540 ÷ 0.9 = CHF 2,011.11
Example with the largest legal discount; use your own premiums in the calculator once it is live. An insurer's real discount can be smaller than the maximum, and then the break-even is lower. 10% co-pay, capped at CHF 700 a year for adults.
What this means for your budget
Keep a reserve for your franchise and co-pay. The planner has a helper for it. See the planner
Figures for 2027. Last checked 9 October 2026. Sources: BAG, priminfo.admin.ch.