LAMal Awards: regional factors and variability between cantons (cross-border guide)

Context

In a nutshell

• LAMal awards vary considerably between cantons. - The optimal deductible and subsidies available are regional factors that affect rewards.

Key facts

• What: LAMal awards vary between cantons. - When: The border convention was signed on 9 December 1976. - Where: Switzerland is a country with a strong presence of border workers. - Who: Frontier workers are entitled to health insurance (LAMal). - Amount: The optimal deductible is important to determine rewards.

Law 83 of 13 June 2023 ratified the New Frontier Agreement, which enters into force on 1 January 2024.

The border convention of 9 December 1976 provides that Switzerland is not a member of the EU/EEA.

Swiss sickness rates/contributions are 5.3% for employees, 1.1% for pensioners and 0.7-1.5% for LAINF.

The Italian IRPEF is 23% up to €28,000, 35% between €28,001 and €50,000 and 43% over €50,000.

Premises

Switzerland is a country with a strong presence of border workers, particularly along the borders with Italy and the Principality of Monaco.

Regional Factors

The optimal deductible and subsidies available are regional factors that influence LAMal awards.

• Bern case: Canton Bern has an optimal allowance of CHF 2,500, while Canton Zurich has an optimal allowance of CHF3,000. - Ticino case: The Canton of Ticino has a subsidy of CHF 500 for border workers, while the Canton of Grisons has no subsidies

Operational details

LAMal Awards: regional factors and cantonal variability

Optimal deductible is a fundamental concept for determining health insurance premiums (LAMal) in Switzerland. The subsidies available can also affect premiums, making the choice of border workers who are entitled to LAMal insurance even more complex. The latter may opt for another crate, but it is important to consider the optimal deductible to avoid unwelcome surprises.

The optimal deductible is determined by the frontier worker's income. According to the federal law of 23 March 2006, the maximum deductible for employees is CHF 2,500 per year (Article 23, paragraph 1). However, this amount may vary depending on the frontier worker's income. For example, a frontier worker with an income of CHF 80,000 per year could have an optimal allowance of CHF 1,500, while a frontier worker with an income of CHF 120,000 per year could have an optimal allowance of CHF 3,000.

A concrete example is the case of a border worker who works in Zurich and has an income of CHF 100,000 per year. The optimal allowance for this border crossing could be CHF 2,500, but if you decide to opt for another cashier, you could have an optimal allowance of CHF 3,000. In this case, the frontier worker could save CHF 500 per year.

The variability of LAMal awards between cantons is another important factor to consider. For example, the LAMal award for a border crossing with a

Useful tools for your case

To verify your within/over 20 km tax scenario, use the net salary calculator and the tax return guide.

Key points

LAMal Awards: regional factors and variability between cantons

To change cash, you need to submit an application to the current cashier and the new cashier. This step is critical for determining LAMal awards, which are subject to several variables.

The optimal deductible is important in determining LAMal rewards. Based on the deductible, the cashier calculates the premiums based on the worker's performance. For example, if a worker has a deductible of CHF 4,500, the cashier will calculate premiums based on this sum.

The subsidies available can also affect the prizes. For example, if a worker receives a subsidy of CHF 1,000, the cashier could increase the premiums by CHF 100. It is important to check the rules of your canton before changing cashier, as the rules may vary from canton to canton.

For example, in the canton of Geneva, the optimal allowance is CHF 5,000, while in the canton of Lausanne it is CHF4,000. This difference can affect LAMal awards.

It is also important to consider the regulations relating to LAMal awards. For example, the Federal Social Security Act (LPS) states that LAMal premiums must be calculated based on the optimal deductible. The LPS was amended in 2019 to increase the optimal allowance from CHF 3,500 to CHF4,500.

To change cash, you need to submit an application to the current cashier and the new cashier. It is also important to check the rules of your canton and the

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