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/Jujulabee Jul 04 '25

Without knowing what the benefits are in your plan, it is impossible to say.

What is your deductible? What are co-payments? What is your co-insurance. What is your maximum out of pocket?

However $400 for health insurance is not that high - especially in an extremely high cost of living area. Medical costs in New York are extremely high - on the other hand you have access to the best care in the country versus being in a medical desert.

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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/Uberperson Jul 05 '25

This looks like my coverage for Cigna in FL. Except ours is just you + spouse which is around $400ish a month, and whole family which is closer to $600 I think.