Right of option: 3 months
Every cross-border worker (resident in F/D/I/A, working in CH) must choose within 3 months of starting work. Form filed with cantonal authority. Irrevocable while your cross-border status stays the same.
LAMal vs CMU
LAMal: ~CHF 350-500/month adult, free care in CH. CMU France: 8% of taxable income, care in F at 70%, private mutuelle needed. Singles with high income: LAMal often cheaper. Modest families: CMU can be better.
How Polia helps
Polia has supported cross-border workers since 2020 — comparison audit, option-form filing, annual follow-up. Annual difference often CHF 3,000-8,000.
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