Health insurance comparison

It depends on your household and income, and there is no general answer. LAMal charges a fixed premium per insured person regardless of what you earn, while the French contribution is income-based. Larger households on a moderate income often do better on the French side; single people on a high salary often do better on LAMal. Compare your own two numbers rather than the averages.

For the standard France right-of-option case, the usual window is three months from the start of Swiss employment or from moving to France. Germany-resident cases follow a separate process: confirm the deadline with the authority responsible for your work canton instead of reusing the France rule.

You are affiliated to Swiss LAMal by default. That is not a penalty and may well be the right outcome for you, but it is a decision made by the calendar rather than by you, which is the part worth avoiding.

In practice yes, for as long as your circumstances stay the same. The option generally reopens only on a genuine change of status, for example taking up Swiss employment again after a period of unemployment in France, moving between the two countries, or moving on to a Swiss pension. Treat it as a decision you make once.