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/Jack-Builder Jul 05 '25

Depends on what kind of coverage corresponds to the premiums. You only have half the info a broker would need.

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u/DecentDeer2818 Jul 05 '25

I posted this on another reply, I can’t edit the original post :/

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u/Jack-Builder Jul 05 '25

Paying $4700/year for a $2000 ded copay only Cigna oapin plan is great. Your employer pays 73% of the premium. In 2025 that is generous. See if you can avoid copays when seeing primary care and specialists by using telemedicine. Make sure you do your preventative care too, because it’s free. All in all, this plan and your contribution to it are significantly better than what most Americans have access to.