Complémentaire santé solidaire (CSS)
Solidarity complementary health insurance
Free or very-low-cost (max €30/month) French complementary health insurance for low-income households — Complémentaire santé solidaire covers all or part of your remaining out-of-pocket health costs.
Start application →The Complémentaire santé solidaire (CSS, sometimes called C2S) replaced CMU-C and ACS on 1 November 2019 (Décret n° 2019-621). It is managed by the French Assurance Maladie through CPAMs and provides health top-up insurance either fully free (annual personal income up to about €10,166 in 2024 for a single person) or with a modest €8-30/month contribution depending on age and income. CSS covers 100% of the ticket modérateur (the residual after Assurance Maladie), hospital daily flat fees, and capped excess fees on dental, optical, and hearing care. You keep your treating physician and your Carte Vitale; you pay nothing upfront. Apply on ameli.fr or at your CPAM with form S3711 or S3713 depending on your situation.
Eligibility
You qualify for CSS if:
- you reside in France in a stable and lawful manner (for at least 3 months)
- you are affiliated with the mandatory Assurance Maladie (régime général, MSA, RSI, etc.)
- your annual resources are below a ceiling that depends on household composition:
- 1 person: ~€10,166 (free CSS) to ~€13,724 (paid CSS)
- 2 people: ~€15,250 (free) to ~€20,587 (paid)
- 3 people: ~€18,299 (free) to ~€24,705 (paid)
- 4 people: ~€21,349 (free) to ~€28,822 (paid)
- you are French, EU/EEA/Swiss citizen lawfully resident, or third-country national with a valid residence permit