Applying for a premium reduction

Health insurance is expensive. Maybe Kanton Luzern pays part of it. Here you check this.

Health insurance (Krankenkasse, basic insurance) is compulsory. You pay a premium every month.

Do you have little money? Then the canton can pay a part. This is called premium reduction (Prämienverbilligung, IPV).

Am I entitled?

You may be entitled to it. This depends on income and assets. The WAS Ausgleichskasse Luzern checks this.

Basic rules:

  • You live in Kanton Luzern on 1 January.
  • You have a health insurance according to the law (KVG).
  • You have filed a tax return or pay withholding tax (Quellensteuer).
  • Your assets are below CHF 100'000 (single) or CHF 200'000 (married couple).

On was-luzern.ch there is an online calculator. It shows you quickly if an application makes sense.

Deadline

Submit the application by 31 October of the previous year. Example: for 2027 by 31 October 2026.

Are you later? Then you only get money from the next month on.

How is it paid?

The money goes directly to your health insurance. Your bill becomes lower.

What you can do now

  1. Use the online calculator on was-luzern.ch.
  2. Submit the application to the WAS Ausgleichskasse Luzern.
  3. Report changes, for example in income or family.
  4. Unsure? Ask FABIA or the Amt für Migration. This app is not legal advice.

WAS Ausgleichskasse Luzern, Prämienverbilligung (2026-09-21)

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