News on taxes, health insurance and digital mail

What is changing with premiums, tax deadlines and digital mail, and what it means for you in practice.

October 2026

Cancel your health insurance by 30 November

Premiums for 2027 rise by 5.0 percent across Switzerland. In the canton of Bern the average premium goes up to CHF 420.20 a month, CHF 21.40 more than this year. The Federal Office of Public Health announced this at the end of September. Your personal premium is in the letter from your insurer, which has to arrive by the end of October.

Basic insurance pays for the same benefits at every insurer, and every insurer must accept you, whatever your age or health. The official premium calculator of the Federal Office of Public Health on priminfo.admin.ch shows how much you would save by switching. It is available in German, French and Italian.

The deadlines

Your cancellation of basic insurance must reach your insurer by Monday, 30 November 2026. What counts is the date it arrives. The postmark is not enough. Send the letter by registered mail at least a week before. Register with the new insurer by the end of December. Your old insurance only ends once the new insurer has confirmed your admission.

Before you cancel

  • For supplementary insurance, a new insurer may turn you down because of your health. So do not cancel your supplementary cover in the same letter.
  • If you have unpaid premiums or deductible bills that you have received a reminder for, you can only switch once everything is paid, including interest and debt collection costs. Until then the cancellation has no effect. In that case we deal with the debts first.

We can do the comparison together. I write the cancellation letter and the application to the new insurer for you. If money is still tight after switching, we check whether you qualify for a premium reduction.

January 2026

Tax return 2025: collect your documents now

Since the start of the year, letters have been arriving: salary statements, interest certificates, insurance confirmations. All marked „Keep for tax return". The tax return for 2025 can soon be submitted. Starting early avoids stress and speeds up any potential refund.

Practical tip

Put all documents marked „For the tax return" in a fixed place straight away. Have a tax folder? File them at the front. Using a folder or tray? Collect them there. This way you won't have to search later and the tax return can be completed with less effort.

If even collecting is too much: I put the documents together with you and fill out the tax return, even if several years are outstanding.

In principle

Thinking about a voluntary KESB report? There are other ways

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 am not a guardian. I work on your instructions.
  • 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.

If you can't make sense of a change

Call me. I'll explain what it means for you in practice.

079 217 01 34 info@administrative-hilfe.ch