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/coganite871 Jul 05 '25

My last full time job (large multinational) I had similar fees and structured the same - loaded so the lower paid staff paid significantly more proportionally. And the Cigna plan was a crock of shit, I put off surgery while I worked there because I could not afford it, which not only resulted in significant degredation of my quality of life but delaying caused other health issues.

What was really upsetting was directors and above got a way better plan and paid little more. Apparently the workers didn't deserve as good a healthcare.

I had to quit that job because one of my children's medications was costing over $4K/month so we slid backwards heavily every month. Now self employed and my marketplace plan costs less and heaps better.

Personally if you are going to pay that much for healthcare, earn $75K or less and in NYC then I'd keep looking for another offer if you can afford to because that's just crap.