September 2025
Official Health Insurance Premiums 2026: +4.4% – Act Now and Save!
The official figures are here: The Federal Office of Public Health (FOPH) announced the final health insurance premiums for 2026 on September 23, 2025. The average premium increases by 4.4% to 393.30 francs per month – that's 16.60 francs more than 2025.
Official FOPH announcement on premiums 2026
Why are premiums rising? According to FOPH, the main reasons are aging population, new treatment options, increasing demand for health services, and tariff increases in inpatient and outpatient care.
How to save: Despite premium increases, significant savings potential exists. Switching to the cheapest provider, choosing the right model (family doctor, HMO, Telmed) and the optimal deductible can save hundreds to thousands of francs per year.
Compare premiums: Use the official federal premium calculator to find the cheapest offers for your region and situation.
Deductible optimization: The deductible calculator helps you choose the optimal deductible.
Check premium reduction: Many people are entitled to premium reductions but don't know about it. Check your entitlement – it's worth it!
Important note: The chosen deductible should be available in a savings account so that high healthcare costs don't break your monthly budget!
⏰ IMPORTANT: Cancellation Deadline!
Your cancellation letter must reach your current health insurance by Friday, November 28, 2025 at the latest (last business day in November). The postmark is NOT sufficient!
Send the letter in time by registered mail or use your insurer's online cancellation.
Tip: Only cancel once you have the acceptance confirmation from the new health insurance!
Overwhelmed with switching health insurance?
Comparing premiums, models, deductibles and supplementary insurance can be confusing. I'm happy to support you:
✓ Analysis of your current situation
✓ Comparison of the best offers for you
✓ Support during the switching process
✓ Review of cancellation deadlines
Request Help via Email
September 2025
Thinking about a voluntary KESB report? There are other ways
According to a recent SRF Tagesschau report, the number of KESB procedures is increasing. Many people voluntarily turn to the KESB because they are overwhelmed with administrative tasks.
Before you go to the KESB: If you are considering voluntarily reporting to the KESB because paperwork, finances or government procedures are getting on top of you – there are other ways of support.
Administrative help by your order:
• I do not act as a guardian, but provide assistance on a mandate basis
• You retain full control and decision-making freedom
• No official procedures or files
• Help only in the areas you want
• Can be terminated at any time if you no longer need help
Also possible in preparation: If a guardianship should become necessary later, I can also support you in preparing for it – so that you are optimally informed when entering a possible KESB procedure.
The free initial consultation shows whether this type of mandate-based help is sufficient for your situation.
January 2025
Tax return 2024: Starting early pays off
The tax return for 2024 can already be submitted. Those who are early benefit from less stress and often also from a faster refund.
Tip: Collect all relevant receipts and documents now. Good organization saves a lot of time later.
I am happy to help you compile all necessary documents and learn how to fill out your tax return correctly – even with multi-year backlogs.
December 2024
New benefits for families from 2025
From 2025 there will be improvements in child allowances and premium reductions. Many families are eligible but do not know about it.
Important changes:
• Increase in child allowances by an average of 25 francs per month
• Extended eligibility for premium reductions
• Simplified application procedures for supplementary benefits
Action required: Check your eligibility and submit applications in good time. Retroactive payments are usually not possible.
December 2024
Different people, different needs
In my work with young adults, seniors and people in difficult situations I learn every day: Everyone has different challenges.
Individual approaches:
• Young adult support: Building structures for more independence
• Senior help: Relief from complex administrative tasks
• People in crisis: Gentle support without additional pressure
• ADHD help: Adapted working method with short, focused units
Common to all: they deserve understanding, not judgment. My approach adapts to your needs – not the other way around.
November 2024
Digital government procedures: Opportunities and hurdles
More and more government procedures can be done online. This saves time, but can also be overwhelming.
Advantages of digitalization:
• No waiting times at offices
• 24/7 availability
• Direct upload of documents
Common challenges:
• Complicated user interfaces
• Unclear requirements
• Technical problems
My service: I am happy to accompany you in digital processing and explain every step clearly. This way you can use the advantages without being overwhelmed.
October 2024
Advance directive and living will
Everyone should have these important documents. They ensure that the right decisions are made in an emergency.
Advance directive: Appoints a trusted person for financial and legal matters.
Living will: Specifies medical wishes if you are no longer able to make decisions.
Important: Both documents must be correctly filled out and filed. I help with the creation and ensure proper registration.
