r/HealthInsurance 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/kobuta99 Jul 05 '25

The average employer subsidy these days is roughly 70- 75% of the total premium. While many companies don't tier contributions based on salary, I have seen this at other companies. I like the idea, but can be complicated to administer, which is one reason why this doesn't get embraced more.