Frontalier France–Switzerland
Your health-insurance choice has a deadline. Know it to the day.
From your first day of Swiss employment you have 3 months to choose between Swiss LAMal and French PUMa/CMU. Silence means LAMal — automatically and irrevocably.
Fact verified on 04/08/2026 — ameli.fr — Travailleur frontalier suisse (maj 30/04/2026), CLEISS — FAQ droit d'option des frontaliers France-Suisse · Nothing is saved on this page.
The decision in 60 seconds
| LAMal 🇨🇭 | PUMa/CMU 🇫🇷 | |
|---|---|---|
| Cost basis | Flat premium per insured person (~521 CHF/month adult, OFSP 2026 average) | 8% of income above 25% of the previous-year PASS (€47,100), N-2 income |
| Household | Each person pays their own premium | Covers the household at no extra cost |
| Usually cheaper for | High earners covering only themselves | Lower salaries and families |
Where to send the form — exactly
The choice form (« Choix du système d'assurance-maladie », CERFA 14445*03) goes to your CPAM — and the CPAM does NOT forward it to Switzerland: the Swiss exemption request is YOUR step, to the office below for your canton of work.
🇫🇷 CPAM (Caisse primaire d'assurance maladie) de votre lieu de résidence
Receives the form, completes and stamps section 6, registers you (cover starts on the date you hand the form in) and reimburses your care.
🇨🇭 Canton of work
Skip the paperwork: get the CERFA pre-filled
- CERFA 14445*03 filled from your answers (sensitive numbers stay on your device)
- Step-by-step: CPAM deposit + Swiss exemption, with your exact offices
- Part of the Cross-Border pack (€29, one-time): calculators, personalized analysis, key-date dossier
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