r/HealthInsurance • u/DecentDeer2818 • Jul 04 '25
Plan Choice Suggestions Is this coverage pricing the norm?
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/tessthismess Jul 05 '25
Those rates are pretty high.
My guess is either the benefits (like the maximum out of pocket) are incredibly rich.
Another possibility is their rates are inflated by really bad experience (in the case of a large employer) or having a really skewed population (for a small employer), like if the workers already on the plan are quite old (I’ve seen plans where the only people who enroll are the higher age range, which drives rates up, causing the young employees to balk)