# Cross-border workers living in Italy: LAMal or the Italian system?

> Do you live in Italy and work in Switzerland? Right of option, contribution planned for “old” cross-border workers (disputed), request for exemption: sources and calculation.

https://premimatch.ch/en/cross-border-workers/italy/ · Source: Federal Office of Public Health (FOPH), [2027 premium data](https://opendata.swiss/fr/dataset/health-insurance-premiums) published on 29.09.2026. Page updated on 16.10.2026. · https://premimatch.ch/en/cross-border-workers/italy.md

Home › Cross-border workers › Italy

Right of option

# You live in Italy and work in Switzerland: LAMal or the Italian system?

If you live in Italy, you can stay insured in Switzerland or ask to stay in the national health service (*Servizio sanitario nazionale*, SSN), within 3 months; this choice is final, except in specific cases. A contribution provided for by law for some cross-border workers is disputed. Its application depends on each region and was not established at the date of our sources.

Sources consulted on 5 October 2026. Rules and figures change: dates are given, and 2027 amounts that are not yet published are flagged as such.

You live in [France](https://premimatch.ch/en/cross-border-workers/france/) [Germany](https://premimatch.ch/en/cross-border-workers/germany/) [Italy](https://premimatch.ch/en/cross-border-workers/italy/) [Austria](https://premimatch.ch/en/cross-border-workers/austria/)

[Deadline](https://premimatch.ch/en/cross-border-workers/italy/#fx-situation) [The choice](https://premimatch.ch/en/cross-border-workers/italy/#choix) [Costs](https://premimatch.ch/en/cross-border-workers/italy/#fx-costs) [Changing your mind](https://premimatch.ch/en/cross-border-workers/italy/#rouvrir) [Family](https://premimatch.ch/en/cross-border-workers/italy/#famille) [Steps](https://premimatch.ch/en/cross-border-workers/italy/#demarches) [Questions](https://premimatch.ch/en/cross-border-workers/italy/#faq)

On this page

1. [1 Deadline](https://premimatch.ch/en/cross-border-workers/italy/#fx-situation)
2. [2 The choice](https://premimatch.ch/en/cross-border-workers/italy/#choix)
3. [3 Costs](https://premimatch.ch/en/cross-border-workers/italy/#fx-costs)
4. [4 Changing your mind](https://premimatch.ch/en/cross-border-workers/italy/#rouvrir)
5. [5 Family](https://premimatch.ch/en/cross-border-workers/italy/#famille)
6. [6 Steps](https://premimatch.ch/en/cross-border-workers/italy/#demarches)
7. [7 Questions](https://premimatch.ch/en/cross-border-workers/italy/#faq)

[Another country](https://premimatch.ch/en/cross-border-workers/#pays)

## Your 3-month deadline

Nothing is sent or stored: the calculation runs in your browser.

These tools need JavaScript. Without it, the rules, the formulas and the sources are on this page: read the sections below.

## The essentials for this country

- **Law 213/2023:** 3 to 6 % of the Swiss net salary, between 30 and 200 € per month worked, for the “old” cross-border workers who chose the Italian system; the region adjusts the rate.
- **Application (sources from June to October 2026):** disputed and regional. Lombardy has announced 3 % and aimed for September 2026, then reportedly asked for a postponement to 2027; Piedmont does not plan to apply it. No regional act found. Situation as of 5 October 2026 not established.
- **New cross-border workers:** those with no work in the border area between 31 December 2018 and 17 July 2023 are not named in letter b of the law. The scope of letter a is not established.
- **Family:** if only one parent works, the whole family follows that parent’s choice; with LAMal, everyone is with the same Swiss insurer (canton of Ticino). Other cases exist (the other parent works in Italy, both spouses work in Switzerland).
- **Ticino:** the request goes to the *Ufficio dei contributi* (contributions office) of the *Istituto delle assicurazioni sociali* (social insurance institute), in Bellinzona.

## The choice, in plain terms

Switzerland insures the people who work there. For those who live in Italy, the free movement agreement between Switzerland and the EU lets them ask to be **exempted from Swiss insurance** and to stay in the health system of their country of residence, or to join it. This is the “right of option” (*droit d’option* in French, *Optionsrecht* in German, *diritto d’opzione* in Italian). The Swiss legal basis is art. 2 para. 6 of the health insurance ordinance (OAMal in French, KVV in German). The exemption is granted on request, if you prove that you are covered in your country of residence, during a stay in another EU state and in Switzerland. [FOPH, in German](https://www.bag.admin.ch/de/krankenversicherung-grenzgaengerinnen-und-grenzgaenger-in-der-schweiz) · [Joint institution (Institution commune LAMal / Gemeinsame Einrichtung KVG), leaflet in German](https://www.kvg.org/wp-content/uploads/2024_de_versicherungspflicht_optionsrecht-grenzgaenger.pdf)

### You stay insured in Switzerland (LAMal)

- You join a Swiss insurer and pay a premium. It is set by country of residence; it does not depend on your salary.

### You request the exemption

- You are covered by the system of your country of residence, under its rules and contributions.
- You have to prove this cover in the request, including for a stay in another EU state and for care in Switzerland.

**If nothing is done:** once the deadline has passed, the authority assigns you to a Swiss insurer (*affiliation d’office* in French). The FOPH adds that, for a late affiliation without a valid excuse, a premium surcharge is due (art. 5 para. 2 LAMal).

## The 3-month deadline

The request for exemption must be filed with the **authority of the canton of employment** within **3 months**. Eight cantons (AG, AR, BL, BS, GL, OW, SO, UR) and three municipalities in the canton of Zug (Risch Rotkreuz, Steinhausen, the city of Zug) have entrusted this task to the joint institution, in Olten; the other cantons handle it themselves or through their municipalities. [FOPH list](https://www.bag.admin.ch/dam/de/sd-web/viK3gYRu2XFy/kantonale%20Stellen%20Befreiung%20OKP%202026%20(d).pdf) · [Joint institution, in German](https://www.kvg.org/privatpersonen/versicherungspflicht/)

**Starting point.** The free movement agreement (annex II, with annex XI of Regulation 883/2004) speaks of 3 months “after the obligation to be insured in Switzerland arises”, and art. 7 para. 8 OAMal says the same. The FOPH, the joint institution and the canton of Ticino count the 3 months from the start of the work or of the employment contract. For the request for exemption, the canton of Bern’s information sheet counts from the date the G permit (the cross-border worker permit) was issued. These dates can differ: the date used by the authority of your canton of employment is the one that counts.

**If you move.** If you move to Italy while keeping your job in Switzerland, the canton of Ticino counts the 3 months from the departure from Switzerland, and the joint institution from the move to the other state.

If you retire with only a Swiss pension, the FOPH table (August 2023) also provides for the right of option for retirees who live in Italy; the joint institution, in Olten, can give you information.

## If you opt for the Italian system

You stay in the national health service (SSN). The 2024 budget law (law 213/2023, art. 1 paras 237-238) provides for a contribution to the region of residence of **3 to 6 % of the net salary earned in Switzerland**. It is at least 30 € and at most 200 € for each month worked (these limits can be doubled in case of non-payment or non-communication), from 2024; the region adjusts the rate according to net income and family responsibilities. The contribution applies to the “old cross-border workers” (people who lived in a border municipality, in principle returned home every day and worked in Ticino, Graubünden or Valais between 31 December 2018 and 17 July 2023) who chose the Italian system, to residents who work and stay in Switzerland and use the SSN, and to their dependent family members. Letter b covers only the cases where the right of option was exercised: old cross-border workers who chose LAMal are not named there, nor are the new cross-border workers. [Law 213/2023, in Italian](https://documenti.camera.it/leg19/dossier/Pdf/ID0008dvol1.pdf)

**Where things stand.** The decree of the Minister of Health of 14 November 2025 (*Gazzetta Ufficiale* no. 293, 18 December 2025) leaves each region to set its rate by its own act; payment is made once a year through the payment instruments of art. 5 of the digital administration code, and the decree sets no date. Lombardy announced the minimum of 3 % on 2025 income and aimed to implement it by September; at the end of June 2026 it told Ticino that it had asked the Ministry of Economy to postpone the entry into force to 2027. Piedmont does not plan to apply it. In early July 2026, nothing had yet been requested. The canton of Ticino has provisionally withheld 50.2 million francs of border compensation payments (*ristorni*) intended for Lombardy, because, according to its legal opinion, the levy is a tax contrary to art. 9 of the tax agreement (the unions also dispute it). According to the news agency ATS, the Federal Council replied on 15 June 2026 that the analysis of its State Secretariat and an external expert opinion conclude that the contribution complies with the agreement, and that a unilateral withholding of the payments would breach it. According to a union and a party, implementing acts were still missing on 24 September and 1 October 2026 (without saying which); the interministerial table on cross-border work is due to meet again on 9 November. We found neither a regional act nor a payment request. The situation as of 5 October 2026 is not established: this page presents the contribution as a scenario, not as an amount due.

## Where to send the request

In Ticino, to the *Ufficio dei contributi* (contributions office, *Settore obbligo assicurativo*) of the *Istituto delle assicurazioni sociali* (social insurance institute), Via Ghiringhelli 15a, 6501 Bellinzona. Elsewhere, to the authority of the canton of employment. [Canton of Ticino, in Italian](https://www4.ti.ch/dss/ias/prestazioni-e-contributi/scheda/p/s/dettaglio/assicurazione-malattia-obbligatoria-lamal)

## What each route costs

The two amounts side by side, with the assumptions and each step of the calculation. This is a calculation, not advice: it does not count the costs you still pay yourself, or differences in benefits.

**The Swiss premium for 2027 for a person who lives in Italy.** Per month, depending on the insurer: **330.00.-** to **534.80.-** for an adult with accident cover (median 466.85.-), 306.90.- to 509.40.- without it, 75.90.- to 219.00.- for a child (14 insurers). There is only one deductible (“franchise”): 300.- a year for an adult and 0.- for a child; the optional deductibles and the other models are closed to people who live abroad (art. 101a OAMal). Source: the FOPH’s [overview of EU/EFTA/UK premiums](https://www.priminfo.admin.ch/de/downloads/aktuell).

These tools need JavaScript. Without it, the rules, the formulas and the sources are on this page: read the sections below.

## What can reopen the choice

The choice holds for as long as the cross-border work continues without interruption. According to the joint institution, a new right of option arises when the work in Switzerland ends and the person then has to be insured in their country of residence (for example because of unemployment in that country), and later starts working in Switzerland again; the interruption must be proved in writing.

The Federal Supreme Court describes the right as “relatively irrevocable”: it can be revisited only if something new happens.

According to the joint institution, a change of employer or of canton of employment, a change of income or of premium, or the move from an apprenticeship or an internship to a job does not reopen the choice. The canton of Bern’s information sheet says the same of a change of employer or workplace without interruption of the work in Switzerland.

## Your family

Family members without paid work who live in the same state as you generally follow your choice: the exemption includes them. The joint institution names one exception: if the spouse or one of the parents works in the state of residence, that person and the children must be insured in that state (no Swiss insurance for the children).

- According to the FOPH and the canton of Ticino, if only one parent works, the whole family follows that parent’s choice, and with LAMal everyone is with the same Swiss insurer; if the other parent works in Italy or draws a pension there, the children stay insured in Italy; if both spouses work in Switzerland, each exercises their own option and all the children follow the same one.
- If you are already insured in Switzerland, you can request the exemption for a new family member within 3 months of a marriage or a birth; it applies from that event. Someone who has already exercised their option cannot, on that occasion, take out LAMal insurance.

With LAMal, each person has their own premium: the spouse and each child count.

## The steps, one by one

1. **Note your start date** of work in Switzerland and work out the end of the 3 months (the tool above does this, from the starting point the FOPH uses).
2. **Get proof of cover** from your country of residence or, for LAMal, a certificate from your Swiss insurer.
3. **Fill in the form:** the *Meldeformular* (notification form) of the joint institution, on which you tick the request for exemption (art. 2 para. 6 OAMal), or the online request on its website. [Form for Germany, Italy, Austria, in German](https://www.kvg.org/wp-content/uploads/meldeformular-und-informationsblatt-deutschland-italien-osterreich-5.pdf)
4. **Send it to the authority of the canton of employment** within the 3 months (some cantons ask for an online submission). In Geneva: the Service de l’assurance-maladie (SAM), the canton’s health insurance office. In Ticino: the *Ufficio dei contributi* (contributions office, *Settore obbligo assicurativo*) of the *Istituto delle assicurazioni sociali* (social insurance institute), in Bellinzona. [SAM, Geneva, in French](https://www.ge.ch/assurance-maladie-frontaliers-residant-france) · [Ticino, in Italian](https://www4.ti.ch/dss/ias/prestazioni-e-contributi/scheda/p/s/dettaglio/assicurazione-malattia-obbligatoria-lamal)
5. **Keep a copy** and check with the authority that your exemption is registered: without an exemption granted, you remain subject to Swiss insurance.

For LAMal, you do not request an exemption; you join a Swiss insurer within the same 3 months. Otherwise the authority assigns you to one, with a possible surcharge (FOPH). The exact documents vary by canton and country: the full list is on the authority’s page.

## Frequently asked questions for this country

### The choice

#### 1. Does the right of option apply to me?

In principle yes, if you live in Italy and work in Switzerland. The sources consulted speak of nationals of the EU and Switzerland; for another nationality, the authority of the canton of employment can tell you.

#### 2. What happens if I do nothing?

After the 3-month deadline, the authority assigns you to a Swiss insurer. According to the FOPH and art. 5 para. 2 LAMal, a premium surcharge is due for a late affiliation without a valid excuse.

#### 3. I stayed in my country’s system without filling in a form: is my situation in order?

The Federal Supreme Court ruled on 10 March 2015 (9C_801/2014) that a *tacit* choice is not valid. Without an exemption granted, you remain subject to Swiss insurance. Ask the authority of your canton of employment whether your exemption is registered.

#### 4. Can I change my mind later?

The choice is final for as long as you work in Switzerland without interruption. It reopens in a few cases: resuming work in Switzerland after an interruption (for example unemployment in the country of residence). See [what can reopen the choice](https://premimatch.ch/en/cross-border-workers/italy/#rouvrir).

#### 5. I am changing employer or canton of employment: can I make my choice again?

According to the information sheets of the joint institution and of the canton of Bern, no: without an interruption of the work, a change of employer, workplace or canton does not open a new choice. CLEISS says the same of a change of activity with no period of unemployment in between. If your case is unusual, the authority of your canton of employment decides.

#### 6. I am retiring: what happens to my choice?

The FOPH table (August 2023) provides for the right of option for retirees who live in Italy. For retirees, contact the joint institution (Olten), which handles recipients of a Swiss pension abroad.

### Deadlines

#### 1. When do the 3 months start?

The law speaks of the moment when the obligation to be insured in Switzerland arises. The FOPH, the joint institution and the canton of Ticino count the 3 months from the start of the work (or of the employment contract). For the request for exemption, the canton of Bern’s information sheet mentions the issue date of the G permit. If you settle in Italy while keeping your job in Switzerland, the 3 months run from the move (the joint institution) or from the departure from Switzerland (canton of Ticino). The date used by the authority of your canton of employment is the one that counts.

#### 2. What is my deadline?

According to the FOPH, three months after the start of your employment contract in Switzerland; for a contract that starts on 4 October, the period ends on 4 January (this is our calculation: the sources give no example). Other sources start from the G permit or, in case of a move, from the move: the date used by the authority of your canton of employment is the one that counts. The [Your deadline](https://premimatch.ch/en/cross-border-workers/italy/#fx-situation) tool calculates the date from the one you enter.

### Family

#### 1. Do my spouse and children follow my choice?

In principle yes, if they have no paid work and live in the same state. If the spouse or one of the parents works in the state of residence, that person and the children are insured in that state. In Italy, if only one parent works, the whole family follows, and with LAMal everyone is with the same insurer. See the section [Your family](https://premimatch.ch/en/cross-border-workers/italy/#famille).

#### 2. A child is born or I marry after choosing LAMal: what can I do?

You can request the exemption for this new family member within 3 months of the marriage or birth; it applies from that event. Someone who has already exercised their option cannot, on that occasion, take out LAMal insurance.

### Costs

#### 1. How much does LAMal cost for a person who lives abroad?

The premium is set by country of residence (not by municipality or canton of employment), for the standard model. There is only one deductible (“franchise”): 300 francs a year for an adult, none for a child; the optional deductibles, the bonus and the other special forms of insurance are closed to people who live abroad (art. 101a OAMal), and the rules on the deductible and the 10% co-payment apply by analogy (art. 103 para. 7). They apply to care given in Switzerland; for care given in the country of residence, the law of that country applies (FOPH).

For 2027, the FOPH lists 330.00.- to 534.80.- a month for an adult who lives in Italy with accident cover, depending on the insurer (14 insurers). The FOPH publishes these premiums every year in an overview and as a separate file within its open dataset; the calculator on this page shows all the offers for your country, with the previous year’s amounts. Each insurer sets its premiums so that, together, they cover the costs of its insured persons in the EU, Iceland, Norway and the United Kingdom, taking account of the cost differences between these states.

#### 2. Does the LAMal premium depend on my salary?

No: it is a premium per person, set by country of residence. In the Italian system, on the other hand, the contribution provided for by law depends on net salary (see the section on the Italian system).

#### 3. Will cross-border workers’ premiums change?

A reform plans to include insured persons who live abroad in risk equalisation between insurers, in principle on 1 January 2028 (amendment of the LAMal of 14 June 2024). The implementing ordinance was put out for consultation from 3 September to 3 December 2025; as of 5 October 2026, no Federal Council decision had been published. According to the FOPH, the premiums of persons insured in countries with many cross-border workers, Germany and France above all, will tend to rise; no amount for 2028 has been published.

#### 4. How much does the Italian system cost?

The law provides for 3 to 6 % of the net salary, between 30 and 200 € per month worked (limits that can be doubled in case of non-payment or non-communication), for “old” cross-border workers who chose the Italian system. Its application is disputed and depends on each region; see [the section above](https://premimatch.ch/en/cross-border-workers/italy/#systeme).

### Steps

#### 1. Which form, and who gets it?

The *Meldeformular* (notification form) of the joint institution, on which you tick the request for exemption, or the online request on its website. The authority is the one of the canton of employment; eight cantons and three municipalities in the canton of Zug go through the joint institution, in Olten.

#### 2. Which documents go with the request?

Proof of your cover in the country of residence and in Switzerland (for private insurance, the insurer’s confirmation that the cover is equivalent to statutory cover), and proof of your cross-border work (G permit, or an employer’s confirmation for Swiss nationals). The exact list depends on the canton: see the authority’s page.

### This page

#### 1. Is this page advice?

No. PremiMatch presents the rules, the deadlines and calculations, with their sources. It does not say which insurance to take, and it does not replace the cantonal authority, your insurer or health insurance fund, or legal advice. The amounts are calculations based on assumptions, and the decision is yours.

#### 2. What does PremiMatch do with what I enter?

Nothing is sent: the tools calculate in your browser and keep nothing. The copied summary contains your answers and the page address, nothing else.

#### 3. Where do the rules and figures come from?

From the pages of federal and cantonal offices, legal texts, court rulings and social security bodies of each country. They are listed at the bottom of the page with their nature. For the situation in Italy, they also come from media and unions, flagged as unofficial. Swiss premiums come from the FOPH open data. Sources as of 5 October 2026.

#### Sources for this page 76

Every statement on this page rests on one or more sources; the nature of each is indicated. Open them to check: the rules may have changed since the date above.

### Italy

- [Normattiva, legge 30 dicembre 2023, n. 213, art. 1, commi 237-239](https://www.normattiva.it/uri-res/N2Ls?urn:nir:stato:legge:2023-12-30;213) legal text
- [Gazzetta Ufficiale, D.M. Salute 14.11.2025 (GU n. 293 del 18.12.2025)](https://www.gazzettaufficiale.it/eli/id/2025/12/18/25A06706/sg) legal text
- [Accordo Italia-Svizzera del 23.12.2020, art. 2 e 9 (legge 83/2023)](https://www.normattiva.it/uri-res/N2Ls?urn:nir:stato:legge:2023-06-13;83) legal text
- [Conseil fédéral, communiqué du 19.7.2023 (accord sur les frontaliers)](https://www.admin.ch/it/nsb?id=96751) official page
- [Canton du Tessin, familiari a carico dei frontalieri residenti in Italia](https://www4.ti.ch/fileadmin/DSS/IAS/pdf/formulari/UC/Frontalieri_residenti_in_Italia_-_obbligo_assicurativo_dei_familiari.pdf) official page
- [Canton du Tessin, IAS, informations valables dès le 1.1.2026](https://www4.ti.ch/fileadmin/DSS/IAS/pdf/informazioni_periodiche/2026_Informazioni_periodiche_AM_obbligo_assicurativo_e_morosi_-_SCA.pdf) official page
- [Sky TG24, 1.7.2026](https://tg24.sky.it/economia/2026/07/01/frontalieri-svizzera-ristorni-bloccati) union or media, unofficial
- [Varesenews](https://www.varesenews.it/2026/04/tassa-salute-per-i-frontalieri-la-lombardia-rimane-lunica-regione-a-insistere/2543671/) union or media, unofficial
- [TVSvizzera](https://www.tvsvizzera.it/tvs/relazioni-italo-svizzere/frontalieri-il-ticino-blocca-i-ristorni-roma-e-berna-cercano-il-dialogo/91676671) union or media, unofficial
- [TVSvizzera, 29.4.2026 (Lombardie : taux minimal de 3 %, revenus 2025)](https://www.tvsvizzera.it/tvs/relazioni-italo-svizzere/frontalieri-la-lombardia-va-avanti-sulla-tassa-sanitaria-ma-promette-sconti/91327930) union or media, unofficial
- [Ossolanews, communiqué du sous-secrétaire piémontais Preioni, 17.9.2026 (table interministérielle)](https://www.ossolanews.it/2026/09/17/leggi-notizia/argomenti/attualita-26/articolo/frontalieri-nuovo-confronto-tra-governo-e-territori-sul-tavolo-naspi-sanita-e-assegno-unico-1.html) union or media, unofficial
- [Varesenews, 24.9.2026 (Cgil : pas de décrets d’application ; table début novembre)](https://www.varesenews.it/2026/09/frontalieri-la-cgil-guarda-al-piemonte-la-regio-insubrica-aiuti-a-chiudere-la-partita-sulla-tassa-della-salute/2689075/) union or media, unofficial
- [VCONews, 1.10.2026 (M5S Vco : contribution sanitaire encore sans décret d’application)](https://www.vconews.it/2026/10/01/leggi-notizia/argomenti/attualita-27/articolo/frontalieri-m5s-a-tre-anni-dallaccordo-restano-ritardi-e-incertezze.html) union or media, unofficial
- [Canton du Tessin, Conseil d’État, communiqué du 30.6.2026 (rétrocessions)](https://www4.ti.ch/tich/area-media/comunicati/dettaglio-comunicato/?NEWS_ID=260164) official page
- [ATS sur parlament.ch, 15.6.2026 (réponse du Conseil fédéral)](https://www.parlament.ch/it/services/news/Pagine/2026/20260615170025398194158159026_bsi138.aspx) union or media, unofficial
- [Regione Lombardia, Lombardia Notizie, 23.4.2026](https://www.lombardianotizie.online/medici-svizzera-stipendio/) official page
- [Canton Ticino, Istituto delle assicurazioni sociali](https://www4.ti.ch/dss/ias/prestazioni-e-contributi/scheda/p/s/dettaglio/assicurazione-malattia-obbligatoria-lamal) official page

### The choice and Swiss law

- [OFSP](https://www.bag.admin.ch/fr/assurance-maladie-travailleurs-frontaliers-en-suisse) official page
- [BAG](https://www.bag.admin.ch/de/krankenversicherung-grenzgaengerinnen-und-grenzgaenger-in-der-schweiz) official page
- [UFSP](https://www.bag.admin.ch/it/assicurazione-malattie-lavoratori-frontalieri-in-svizzera) official page
- [Gemeinsame Einrichtung KVG](https://www.kvg.org/wp-content/uploads/2024_de_versicherungspflicht_optionsrecht-grenzgaenger.pdf) official page
- [OFSP, tableau « Assujettissement à l’assurance-maladie obligatoire de personnes résidant dans un État de l’UE/AELE ou au Royaume-Uni » (août 2023)](https://www.bag.admin.ch/dam/fr/sd-web/o7v72vUcJvBA/wohnsitz-eu-unterstellung-kv.pdf) official page
- [Istituzione comune LAMal](https://www.kvg.org/wp-content/uploads/2024_it_diritto-dopzione-per-frontalieri.pdf) official page
- [Fedlex, annexe XI « Suisse » du règlement (CE) 883/2004 (accord sur la libre circulation, annexe II), point 3 b)](https://www.fedlex.admin.ch/eli/cc/2012/323/fr) legal text
- [Canton du Tessin, IAS, informations valables dès le 1.1.2026](https://www4.ti.ch/fileadmin/DSS/IAS/pdf/informazioni_periodiche/2026_Informazioni_periodiche_AM_obbligo_assicurativo_e_morosi_-_SCA.pdf) official page
- [Fedlex, OAMal (KVV): art. 2 al. 6, 7, 8, 101a, 103](https://www.fedlex.admin.ch/eli/cc/1995/3867_3867_3867/fr) legal text
- [Tribunal fédéral, ATF 147 V 387 (9C_30/2020 du 14.6.2021), texte sur bger.ch](https://www.bger.ch/ext/eurospider/live/de/php/clir/http/index.php?highlight_docid=atf%3A%2F%2F147-V-387%3Ade&lang=de&zoom=&type=show_document) court ruling
- [Canton Ticino, Istituto delle assicurazioni sociali](https://www4.ti.ch/dss/ias/prestazioni-e-contributi/scheda/p/s/dettaglio/assicurazione-malattia-obbligatoria-lamal) official page
- [Institution commune LAMal, « Optionsrecht im Allgemeinen » (octobre 2018)](https://www.kvg.org/wp-content/uploads/2024_de_optionsrecht-im-allgemeinen.pdf) official page
- [Assurance Maladie (ameli)](https://www.ameli.fr/assure/droits-demarches/europe-international/travailleur-frontalier-suisse) official page
- [CLEISS](https://www.cleiss.fr/faq/droit_d_option_des_frontaliers_france-suisse.html) official page
- [Canton de Genève (SAM)](https://www.ge.ch/assurance-maladie-frontaliers-residant-france) official page
- [Canton de Berne, fiche frontaliers (novembre 2021)](https://www.asv.dij.be.ch/content/dam/asv_dij/dokumente/de/kvg-obligatorium/Informationsblatt%20f%C3%BCr%20Grenzg%C3%A4nger%20ab%201.1.2022_de.pdf) official page
- [Accord entre les autorités suisses et françaises du 7 juillet 2016, art. 2 al. 2 (OFSP)](https://www.bag.admin.ch/dam/fr/sd-web/RnlNq-pnkPqB/accord-juli-2016-mit-frankreich.pdf) official page
- [Fedlex, LAMal: art. 5, 6, 6a, 8, 61](https://www.fedlex.admin.ch/eli/cc/1995/1328_1328_1328/fr) legal text
- [Tribunal fédéral, 9C_801/2014](https://www.bger.ch/ext/eurospider/live/de/php/aza/http/index.php?highlight_docid=aza://10-03-2015-9C_801-2014&lang=de&type=show_document&zoom=YES) court ruling
- [OFSP, lettre d’information du 20 avril 2015 (arrêt 9C_801/2014)](https://www.bag.admin.ch/dam/fr/sd-web/R9xqYWKilq-x/infoschreiben-optionsrecht-kv-urteil-bundesgericht.pdf) official page
- [OFSP, FAQ accord France du 7 juillet 2016 (juillet 2017)](https://www.bag.admin.ch/dam/fr/sd-web/Ivc5HCvpoyhK/faq-abkommen-frankreich-7-juli-2016.pdf) official page
- [Institution commune LAMal](https://www.kvg.org/wp-content/uploads/2024_fr_droit-doption-des-frontaliers.pdf) official page
- [Canton de Genève, frontaliers résidant dans un État de l’UE/AELE/UK](https://www.ge.ch/assurance-maladie-personnes-residantes-dans-etat-membre-ue/aele/uk) official page
- [OFSP, bénéficiaires d’une rente suisse à l’étranger](https://www.bag.admin.ch/fr/assurance-maladie-beneficiaires-dune-rente-suisse-a-letranger) official page

### The steps

- [OFSP, institutions cantonales compétentes pour l’exemption (septembre 2026)](https://www.bag.admin.ch/dam/fr/sd-web/viK3gYRu2XFy/kantonale%20Stellen%20Befreiung%20OKP%202026%20(f).pdf) official page
- [Gemeinsame Einrichtung KVG](https://www.kvg.org/wp-content/uploads/2024_de_versicherungspflicht_optionsrecht-grenzgaenger.pdf) official page
- [Canton Ticino, Istituto delle assicurazioni sociali](https://www4.ti.ch/dss/ias/prestazioni-e-contributi/scheda/p/s/dettaglio/assicurazione-malattia-obbligatoria-lamal) official page
- [Canton du Tessin, IAS, informations valables dès le 1.1.2026](https://www4.ti.ch/fileadmin/DSS/IAS/pdf/informazioni_periodiche/2026_Informazioni_periodiche_AM_obbligo_assicurativo_e_morosi_-_SCA.pdf) official page
- [Canton de Genève (SAM)](https://www.ge.ch/assurance-maladie-frontaliers-residant-france) official page
- [Assurance Maladie, formulaire « Choix du système d’assurance-maladie » (version janvier 2024)](https://www.ameli.fr/sites/default/files/formulaires/formulaire_choix_systeme_assurance_maladie.pdf) form
- [Urssaf, Choisir entre l’assurance maladie française ou suisse (19.4.2024)](https://www.urssaf.fr/accueil/particulier/travailleur-frontalier-suisse/assurance-maladie-france-suisse.html) official page
- [BAG](https://www.bag.admin.ch/de/krankenversicherung-grenzgaengerinnen-und-grenzgaenger-in-der-schweiz) official page
- [OFSP](https://www.bag.admin.ch/fr/assurance-maladie-travailleurs-frontaliers-en-suisse) official page
- [Gemeinsame Einrichtung KVG, Meldeformular (ancienne version du PDF)](https://www.kvg.org/wp-content/uploads/meldeformular-und-informationsblatt-deutschland-italien-osterreich-5.pdf) form

### Family

- [Gemeinsame Einrichtung KVG](https://www.kvg.org/wp-content/uploads/2024_de_versicherungspflicht_optionsrecht-grenzgaenger.pdf) official page
- [Istituzione comune LAMal](https://www.kvg.org/wp-content/uploads/2024_it_diritto-dopzione-per-frontalieri.pdf) official page
- [OFSP et canton du Tessin, familiari a carico dei frontalieri residenti in Italia](https://www.bag.admin.ch/dam/fr/sd-web/CWLffvvR5kvF/angehoerige-von-grenzgaenger-aus-italien-mit-arbeitsort-ch.pdf) official page
- [Canton du Tessin, familiari a carico dei frontalieri residenti in Italia](https://www4.ti.ch/fileadmin/DSS/IAS/pdf/formulari/UC/Frontalieri_residenti_in_Italia_-_obbligo_assicurativo_dei_familiari.pdf) official page
- [Canton du Tessin, IAS, informations valables dès le 1.1.2026](https://www4.ti.ch/fileadmin/DSS/IAS/pdf/informazioni_periodiche/2026_Informazioni_periodiche_AM_obbligo_assicurativo_e_morosi_-_SCA.pdf) official page
- [CLEISS](https://www.cleiss.fr/faq/droit_d_option_des_frontaliers_france-suisse.html) official page
- [Assurance Maladie (ameli)](https://www.ameli.fr/assure/droits-demarches/europe-international/travailleur-frontalier-suisse) official page
- [OFSP, tableau « Assujettissement à l’assurance-maladie obligatoire de personnes résidant dans un État de l’UE/AELE ou au Royaume-Uni » (août 2023)](https://www.bag.admin.ch/dam/fr/sd-web/o7v72vUcJvBA/wohnsitz-eu-unterstellung-kv.pdf) official page

### Premiums and exchange rates

- [Fedlex, LAMal: art. 5, 6, 6a, 8, 61](https://www.fedlex.admin.ch/eli/cc/1995/1328_1328_1328/fr) legal text
- [Fedlex, OSAMal (KVAV) art. 25 al. 3](https://www.fedlex.admin.ch/eli/cc/2015/840/fr) legal text
- [Fedlex, OAMal (KVV): art. 2 al. 6, 7, 8, 101a, 103](https://www.fedlex.admin.ch/eli/cc/1995/3867_3867_3867/fr) legal text
- [OFSP, priminfo (UE/AELE/UK)](https://www.priminfo.admin.ch/fr/versicherungen/eu_efta) official page
- [OFSP, primes et réduction des primes UE/AELE/UK](https://www.bag.admin.ch/fr/assurance-maladie-primes-et-reduction-des-primes-ueaeleuk) official page
- [opendata.swiss, Prämien Krankenversicherung](https://opendata.swiss/fr/dataset/health-insurance-premiums) official page
- [OFSP, priminfo (économiser, suspension de l’assurance-accidents)](https://www.priminfo.admin.ch/fr/sparen/grundversicherung) official page
- [OFSP, aperçu des primes UE/AELE/UK 2027 (Priminfo, PDF, septembre 2026)](https://www.priminfo.admin.ch/downloads/gesamtbericht_eu-2027.pdf) official page
- [Fedlex, OAMal, texte consolidé au 1.7.2026 (PDF): art. 101a, 103 al. 7](https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/1995/3867_3867_3867/20260701/fr/pdf-a/fedlex-data-admin-ch-eli-cc-1995-3867_3867_3867-20260701-fr-pdf-a.pdf) legal text
- [OFSP, participation aux coûts des personnes assurées en Suisse](https://www.bag.admin.ch/fr/assurance-maladie-participation-aux-couts-des-personnes-assurees-en-suisse) official page
- [OFSP, communiqué du Conseil fédéral du 3.9.2025 (ordonnance sur la compensation des risques)](https://www.bag.admin.ch/fr/newnsb/zDVBL1KS1DUrXnREYchKC) official page
- [Fedlex, procédure de consultation 2025/70 (OCoR)](https://www.fedlex.admin.ch/fr/consultation-procedures/ended/2025) official page
- [Fedlex, modification de la LAMal du 14.6.2024 (FF 2024 1455)](https://www.fedlex.admin.ch/eli/fga/2024/1455/fr) legal text
- [Conseil fédéral, message du 9.6.2023 (FF 2023 1545), ch. 6.3.2](https://www.fedlex.admin.ch/eli/fga/2023/1545/fr) official page
- [OFSP, priminfo (FAQ)](https://www.priminfo.admin.ch/fr/faq) official page
- [Fedlex, OLAA art. 13](https://www.fedlex.admin.ch/eli/cc/1983/38_38_38/fr) legal text
- [BCE, taux de change de référence](https://www.ecb.europa.eu/stats/exchange/eurofxref/shared/pdf/2026/07/20260701.pdf) official page

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