You have 3 months to choose, and this choice proves hard to change afterwards. Here are the concrete criteria to decide with full knowledge.
| Swiss LAMal | French CMU | |
|---|---|---|
| Calculation basis | Fixed premium based on fund, model and deductible chosen | Percentage of reference taxable income (about 8% above an allowance) |
| Ballpark | ~CHF 400/month depending on profile and model | Varies with income; can exceed €450-500/month for a comfortable income |
| How it changes with income | Independent of income (unless eligible for a subsidy) | Proportional to income, rises with salary |
Indicative 2026 amounts, varying by fund, insurance model and exact tax situation. An individual simulation is still needed.
LAMal: access to care in Switzerland as the anchor point, with coordination for care in France via the S1 form (care covered under French rules, reimbursed within the European coordination framework).
CMU: direct, simple access to the French healthcare system, without coordination formalities, but less suitable if you often consult in Switzerland (near your workplace, Swiss specialists).
The LAMal/CMU choice must be made within 3 months of starting work, and it's hard to reverse. We produce a personalised, costed comparison before this deadline expires, free of charge.
Affiliation to Swiss LAMal becomes automatic by default.
Each household member in principle exercises their own right of option according to their work situation; an individual analysis per person is needed.
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