The government council has set the final cantonal contribution rate for 2025 at 92 percent of the federal contribution (CHF 633.0 million), or CHF 582.4 million. In addition, the Security Directorate has funds for premium reductions for temporarily admitted persons and refugees from Ukraine amounting to CHF 93.7 million. In total, more than CHF 1.3 billion will be available for premium reductions in the canton of Zurich in 2024. Of this, around CHF 748 million will be used for individual premium reductions (IPV), around CHF 498 million for covering the premiums of people who receive supplementary benefits or social assistance, and around CHF 46 million for loss certificate compensation from health insurers.
IPV: Determination of the own contribution rate for 2025
Due to legal requirements (EG KVG), those entitled to IPV must pay a basic amount – usually 40 percent of the premium – themselves. In addition to this basic amount, the insured must finance a personal contribution that depends on their relevant income. For the 2025 benefit year, the personal contribution is 7.6 percent of this income for married couples and registered partners and 6.1 percent for other persons (according to Government Council Resolution No. 992/2024). The canton will cover the remaining premium costs.
The income limit for supporting families with underage children and young adults in training was already set in the spring. For families with at least one young adult in training, it is a relevant income of CHF 92,900 and for families with only underage children, it is CHF 69,700. Families with a relevant income up to these limits pay only 20 percent of the relevant premiums for their underage children and only 50 percent for their adult children in training.
Retroactive reduction of the own contribution for the year 2024
A year ago, the government council set the personal contribution rate for 2024 for married couples and registered partners at 8.3 percent and for individuals and single parents at 6.6 percent. The planned financial requirements for the definitive IPV orders are lower than expected, so that the personal contribution rate can be reduced retroactively for 2024 for married couples from 8.3 to 7.0 percent, and that for individuals and single parents from 6.6 to 5.6 percent. This will relieve the burden on those affected by a higher IPV. They will be informed in writing by the SVA Zurich about the amount of their definitive premium reduction or the retroactive adjustment as soon as the definitive tax data for 2024 is available. They do not have to take any active action.
As a rule, people who are entitled to IPV automatically receive a form from the SVA Zurich to apply for IPV. If this is not the case, those who are entitled can submit an application for IPV by the end of March of the following year. The IPV calculator from the SVA Zurich provides information on whether there is an entitlement to IPV:
