{"id":2534,"date":"2025-10-17T12:59:12","date_gmt":"2025-10-17T12:59:12","guid":{"rendered":"https:\/\/plus-group.ch\/an-update-on-the-decrease-in-health-insurance\/"},"modified":"2025-11-14T09:44:57","modified_gmt":"2025-11-14T09:44:57","slug":"an-update-on-the-decrease-in-health-insurance","status":"publish","type":"post","link":"https:\/\/plus-group.ch\/en\/an-update-on-the-decrease-in-health-insurance\/","title":{"rendered":"A Closer Look at the Drop in Health Insurance Costs"},"content":{"rendered":"\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7387b849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-full has-custom-border\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1366\" height=\"2048\" src=\"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/olga-serjantu-tqkDGqPW8Vo-unsplash-scaled-1-scaled-1.jpg\" alt=\"\" class=\"wp-image-1753\" style=\"border-radius:5px\" srcset=\"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/olga-serjantu-tqkDGqPW8Vo-unsplash-scaled-1-scaled-1.jpg 1366w, https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/olga-serjantu-tqkDGqPW8Vo-unsplash-scaled-1-scaled-1-200x300.jpg 200w, https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/olga-serjantu-tqkDGqPW8Vo-unsplash-scaled-1-scaled-1-683x1024.jpg 683w, https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/olga-serjantu-tqkDGqPW8Vo-unsplash-scaled-1-scaled-1-768x1151.jpg 768w, https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/olga-serjantu-tqkDGqPW8Vo-unsplash-scaled-1-scaled-1-1025x1536.jpg 1025w\" sizes=\"(max-width: 1366px) 100vw, 1366px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h2 class=\"wp-block-heading\">Insurers\u2019 reserves under scrutiny<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If there is one sensitive topic in the country\u2019s political and social landscape, it is certainly this one.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Health insurance premiums account for a substantial share of household budgets. During the pandemic, however, many voices called for insurers to reduce the more-than-comfortable reserves they had accumulated over the years. Medical associations even suggested that premiums were being calculated slightly above the actual cost of healthcare, thereby generating significant capital surpluses. Under media and public pressure, politicians stepped in and tackled this delicate issue by revising the ordinance that sets the minimum threshold for these funds. Henceforth, an insurer only needs to hold 100% of reserves, compared to 150% previously. This decision led to a coordinated yet widespread reduction from all industry players.<\/p>\n<\/div>\n<\/div>\n\n<hr class=\"wp-block-separator has-text-color has-alpha-channel-opacity has-background is-style-default\" style=\"margin-top:20px;margin-bottom:20px;background-color:#eeeeee;color:#eeeeee\"\/>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7387b849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60.66%\">\n<h2 class=\"wp-block-heading\">Varying situations across cantons<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While the savings made by policyholders are welcome everywhere, they will not be felt equally across the entire country. Thus, in Geneva and Valais, the decrease will be substantial, with -1.5% and -0.8% respectively. On the other side of the R\u00f6stigraben, where premiums are traditionally lower than in Romandy, a slight realignment will occur, with increases of around 1% in cantons such as Obwalden and Glarus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nevertheless, it is hoped that this trend will continue, as the government maintains that, with accumulated reserves of over 12.4 billion francs, insurers are still sitting on a far too comfortable cushion.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-full has-custom-border is-style-default\"><img decoding=\"async\" width=\"1365\" height=\"2048\" src=\"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/kajetan-sumila-OTjr5CZsPKg-unsplash-scaled-1-scaled-1.jpeg\" alt=\"\" class=\"wp-image-1763\" style=\"border-radius:5px\" srcset=\"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/kajetan-sumila-OTjr5CZsPKg-unsplash-scaled-1-scaled-1.jpeg 1365w, https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/kajetan-sumila-OTjr5CZsPKg-unsplash-scaled-1-scaled-1-200x300.jpeg 200w, https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/kajetan-sumila-OTjr5CZsPKg-unsplash-scaled-1-scaled-1-683x1024.jpeg 683w, https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/kajetan-sumila-OTjr5CZsPKg-unsplash-scaled-1-scaled-1-768x1152.jpeg 768w, https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/kajetan-sumila-OTjr5CZsPKg-unsplash-scaled-1-scaled-1-1024x1536.jpeg 1024w\" sizes=\"(max-width: 1365px) 100vw, 1365px\" \/><\/figure>\n<\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>At the end of September, the Federal Council made headlines by announcing a decrease in premiums for Swiss citizens in 2022. Although this reduction may seem modest, with an average of \u20130.2%, it remains a historic event that has occurred only twice since the introduction of compulsory health insurance. What prompted this decision, and who will it affect?<\/p>\n","protected":false},"author":1,"featured_media":2536,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[38],"tags":[],"class_list":["post-2534","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-plus-insurance-smes"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>A Closer Look at the Drop in Health Insurance Costs - PLUS-SA<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/plus-group.ch\/en\/an-update-on-the-decrease-in-health-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A Closer Look at the Drop in Health Insurance Costs - PLUS-SA\" \/>\n<meta property=\"og:description\" content=\"At the end of September, the Federal Council made headlines by announcing a decrease in premiums for Swiss citizens in 2022. 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