Re: LAMAL question (CH to France move)
As advised by a lass on another column, and be warned, this is epic, will answer many questions for you (not limited to healthcare) and possibly change the way you think. Amazing.
So, to try and answer your question completely, concisely and in a way that makes sense....
If you move to france and your wife is not working she will be classed as your dependent. This means she has to have the same health insurance system as you (be it French or swiss). You are correct when you move you regain your right to choose the French or swiss health system, which is better for you is a personal choice.
If you decide to "remain" with the swiss system your health insurance will nonetheless change as you will be frontaliers rather than residents. I haven't had quotes myself but as I understand frontaliers lamal insurance is cheaper than residents lamal insurance. You need to check this! If you stay with lamal you can definitely go to switzerland for treatment- ensure your specific insurance policy allows you to see the specific doctor you wish to see.
If you move to French health insurance you will be charged 8% of your salary (approx) as your basic rate for the health insurance (like UK NI contributions). Like NI, this rate may change in the future. Your wife will be classed as your dependent and be covered by your payments. This will allow you treatment in france.
With both systems you need to get a complementaire/mutuelle insurance, this means your will e refunded additional incurred costs (neither health insurance system refunds you 100% as standard) and you can request coverage in switzerland as part of this complementaire/mutuelle insurance.
So in short, you can still find a way to go to switzerland with either the French or swiss system. It depends entirely on your personal situation, earnings, number of dependants as to which system is "more financially beneficial" (ie cheaper) for you.
From what I have seen on this forum most couples where both are working find switzerland cheaper- on one working high earners. If you are lower earners and have children france may be cheaper. Unfortunately the only way to weight this up is to go through the ball ache of getting quotes in both countries and comparing the coverage you get.