Re: CSS Health Insurance
I was with CSS for 5+ years, but now changed to Atupri. They're minimally cheaper, but offer a different model. It was introduced this year and is available for a pilot phase only on ZH, BErn, Lucerne.
With CSS, the cheapest was the Tel-Care model. With Atupri, I now have a model called "FlexCare". Wit hthis, i can go directly to some selected doctors without calling them up before.
In any case, it's definitely worth to compare the offers on Comparis.ch every year, just to know if you're still running on an optimal plan.