CMU or LAMal for Swiss cross-border workers: what to compare
Reducing CMU and LAMal to two monthly prices is tempting, but incomplete. Household income, family composition, access to care and a recent change of status can all alter the comparison.
The right of option
In situations covered by the rules, a cross-border worker living in France may choose between the Swiss and French systems. The choice generally has to be exercised within three months of the event that opens the right.
What a useful comparison includes
A personalised comparison goes beyond today’s premium.
- Household reference tax income
- Swiss premium and any applicable subsidy
- Family composition and employment
- Healthcare use in France and Switzerland
- A recent employment or residence change
Useful information to get started
1Start or restart date of Swiss employment
2Current health-insurance system
3Latest reference tax income
4Partner and children’s situation
5Healthcare habits in France and Switzerland
Short answers before going further
Does CMU depend on income?
The French contribution uses reference tax income under the applicable rules, so a change in income can affect the cost.
Can I switch every year?
No. The choice is generally binding until a recognised new event opens another right of option.
Official sources
Rules can change. These links let you verify information with the competent organisations.
Reviewed on 20 July 2026. This guide is educational and does not replace personalised professional advice.