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/PortofinoBoatRace Jul 05 '25

Those premiums look insanely high to me. I pay $160 for employee + family coverage but I have far less covered and my individual deductible (6850) and max OOP are much higher. I also don’t have copays for various services they just all count towards the deductible so it’s functionally much less coverage.

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u/DecentDeer2818 Jul 05 '25

Honestly, I’d be okay with that and less coverage as I never hit the deductible. The HDHP/HSA option they have is not an option for me as it does not cover any mental health services until after the 6k deductible.

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u/PortofinoBoatRace Jul 05 '25

Mine is the same way. I literally cover every medical cost irrespective of what type until my $6850 deductible is met.