The option right: 3 months to decide
EU/EFTA residents working in Switzerland have a 3-month right of option between Swiss LAMal and home-country scheme (CMU France, AOK Germany). Decision is principally final. Compare carefully — gap up to CHF 3,000/year for families.
Choosing LAMal: pros
LAMal pros: Swiss healthcare system, full choice, possible cantonal subsidies. Cons: higher premiums (CHF 280-450/adult/month). Family of 4: CHF 1,500-2,200/month.
Choosing home-country scheme: pros
CMU France: 8% of income above threshold. For CHF 100k net income, ~EUR 6,000/year for the whole family. AOK Germany: similar proportional. Best for families, lower-mid income, those living 30+ min from border.
Common pitfalls
Common pitfalls: missing 3-month deadline (auto-LAMal, hard to reverse), not comparing carefully (CHF 30,000 over 10 years for a family).
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