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/branchymolecule Jul 05 '25

The people making the most don’t pay a whole lot more than the lowest paid workers. It’s always that way.

4

u/DecentDeer2818 Jul 05 '25

This is the first time I’ve seen insurance premiums differ by pay scale. Where I worked previously, the longer you stayed, the more they covered each year for all coverage options (w/ spouse, etc).

5

u/BPV4BP Jul 05 '25

I have never heard of the employer covering more based on tenure. My employer also has different contributions based on salary band.

1

u/DecentDeer2818 Jul 05 '25

It was great. By year ten, it was $0 for the employee but only if insuring yourself. I don’t remember the other shares but I definitely did not make it to ten years, lol.

They changed the percentages for new hires starting in 2021 but it was still the same idea of the employees paying less over time. I don’t think it gets down to zero at year ten anymore.