r/HealthInsurance • u/DecentDeer2818 • Jul 04 '25

Plan Choice Suggestions Is this coverage pricing the norm?

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Hi all,

I just got a job offer in NYC where the cost of living is crazy high, as you probably know. This is my first corporate job and I need advice/feedback on is this pricing structure for insurance is the norm.

I know you can’t believe everything you read on the internet but I’ve read that the general norm is for the employer to cover 80-85% of the monthly premium.

I would be earning less than 75k and only covering myself but the price still seems quite high? I’ve never paid more than $118 bi-weekly.

Thank you.

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u/DecentDeer2818 Jul 04 '25

Sorry, I (I guess, incorrectly) assumed that Cigna EPO would be the same across companies. I will update the original post.

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u/Jujulabee Jul 04 '25

Lord no.

CIGNA has hundreds of plans and your company could have a self funded plan which means that it is completely designed by your company.

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u/DecentDeer2818 Jul 04 '25

Okay it won’t let me edit the original post. I’m truly at a loss because it’s so much higher than what I’m used to and I’m taking a massive pay cut as I try to switch industries.

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u/Jujulabee Jul 04 '25

The benefits are pretty good as compared to many employer plan.

Look at how much your employer is paying each month to subsidize your premium - a bit more than $1000 and those benefits aren't taxed.

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u/DecentDeer2818 Jul 04 '25

Interesting, I wouldn’t have really considered that.

Thank you for responding and for your insight. I appreciate anyone taking the time to give me advice.