You can change mutual insurance company at any time, as long as your contract has been in force for more than a year. You can also do this at any time in the event of a change of regime.
Company health insurance plays the same role as individual health insurance. The ANI, or Accord national interprofessionnel, introduced the generalization of complementary health insurance to all employees of private companies and associations.
Employers are free to choose their insurer or mutual insurer and negotiate a group contract based on their activity and the collective bargaining agreement applicable to their company.