Young adults: pay less from age 19
Between 19 and 25, health premiums are reduced. It's also the best time to lay the foundations of your pension.
Updated on 23.09.2026 · Official sources cited
Health insurance
- Young adult premiums: 338.80 CHF a month on average in 2027.
- A high deductible is often worthwhile if you're in good health.
- If you're in education, you may be entitled to a subsidy.
First job
- Suspend accident cover if you work at least 8 hours a week.
- Open a 3rd pillar: even small regular contributions count, thanks to time.
- Think about private liability from your first home.